Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir or Madam : After reading my Credit Report from TRANSUNION, I found that they had some incorrect information related to my credit card from XXXX  XXXX XXXX. They indicated me that in their records, they saw TWO late payments. I proceed to call my bank to verify this information, and they tell me this was incorrect. XXXX  XXXX XXXX issued two case numbers to clarify my case. Then, I wrote this following letter that explain everything in detail and send it to them on XX/XX/XXXX. 

" I am writing in this opportunity to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
- You have been on our files since XX/XX/XXXX : my bank and agents at your institution have instructed me that verified information for credit records should be the information generated after obtaining a social security number. Until XX/XX/XXXX, my status was non-resident. In XXXX of this year I received my social security number and from that moment my status changed to permanent resident. 
- Level of delinquency for two late payments : My bank XXXX XXXX  XXXX XXXX XXXX has verified my credit card statement and has not found two late payments. They informed me that they would send the correction to your offices and assigned me the following case number : XXXX. 
- 30-day late payment on XX/XX/XXXX : My bank has informed me that on this date I was charged a fee for issuing a credit card. The configuration of my account established that this fee would be automatically charged to my checking account. On this date, my country of residence was XXXX, and due to government restrictions, it was not possible for me to access my XXXX  XXXX XXXX online banking. The amount due was not a purchase, it was for a fee that the bank charged in order to issue the credit card, which I didn't knew at the moment, because I was not in USA when the bank send it to me and also that should have been charged to my checking account. My bank informed me that they sent a correction of this detail to your offices and gave me the following case number : XXXX. '' On date XX/XX/XXXX I received a dispute result from Transunion which indicated that some information on my credit report was deleted. However, the delinquency level its still on my report. 

I visit my bank on date XX/XX/XXXX and they made a call ( in front of me ) to Transunion, and the bank agent explain the case. The person representing Transunion said that in their records they still have two late payments, and my bank agent insisted that it was incorrect. Then he explained that the 30 day late payment in XX/XX/XXXX was in fact generated for a fee charged for a credit card that I didn't even activated at that moment. 

Both the bank agent and the representative of Transunion, recommended me to make this complainant because they were not able to help me. 

Thank you very much for your time and attention.

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