Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good afternoon. I am reaching out directly to the CFPB for help with an issue I noticed on my credit report from a credit card that I currently have with XXXX XXXX XXXX. I have had this card for a few years now and it has a {$600.00} credit limit on it. I had a balance of {$430.00} that on XX/XX/2018 I paid off in full with XXXX XXXX XXXX, which brought me down to a {$0.00} balance with XXXX XXXX XXXX. I have not once used this card to purchase anything, but I continued to get charged interest fees and annual fees every month since I have paid that account down to {$0.00}. Now, I got online today and received an email from my credit reporting agency informing me that I had a late payment posted to my credit report, which has never ever ever happened for me in my whole life, so naturally I was shocked and upset. So, I checked my credit report and it was showing XXXX XXXX XXXX as past due now over 30 days. I logged into my XXXX XXXX XXXX account and it is showing a past due balance of {$58.00}, which I paid that very moment. I researched into this and noticed that for some reason my automatic payment that came out automatically from my bank account eveyr month through XXXX XXXX XXXX had mysteriously just stopped being issues to my bank account since XXXX of this year. This credit card payment has always automatically cleared my bank account on auto payment every month on the XXXX of the month ever since I have had it. Upon researching even further I noticed that every month since I had paid this card down to a {$0.00} balance and have not used it I have an annual fee of {$8.00} posted, which had never been the case prior to me paying this account off. This is what lead to a payment being due, which I never used the card so there shouldn't have been a payment due, nor has there ever been a monthly fee for an annual fee ( redundant right? ) on this account before in the past. That combined with my monthly autopayment being mysteriously stopped lead to me having my first ever last payment posted to my credit bureau, which dropped my credit score over 150 points. Never once did I ever get anything in the mail showing a payment due, nothing in my email, no phone calls, absolutely nothing. When I pay the card off and don't use it I d n't expect to have a payment due so it's not something I would go looking for so this completely caught me off guard. Had I known of this payment being due I would've paid it. This is completely and totally wrong of this credit card company to do this to me and I am quite distraught about it and I am here begging someone to help me please get this off my credit reports. I am beginning the process of trying to buy a house and this is going to completely ruin all of the hard work I have put into my credit over the years over something that I did nothing wrong with. Please, is there anyone at the CFPB that can help me get this resolved?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation