Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. XXXX XXXX  was one of these creditors. I did not make any changes to my auto-draft with XXXX XXXX  `` XXXX XXXX '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XX/XX/XXXX, XXXX XXXX  enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XX/XX/2019 I used my XXXX XXXX XXXX for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/2019 I received a call from XXXX XXXX  informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with XXXX XXXX  's Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " XXXX XXXX   ''. I did not cancel the auto-draft, XXXX XXXX  cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by XXXX XXXX. XXXX informed me that I signed up for paperless statements, however I did no such thing. I informed XXXX XXXX  of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that XXXX XXXX  incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that XXXX XXXX is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against XXXX XXXX. If I can not get this issue resolved with XXXX XXXX, I will be the one that initiates this Class Action Lawsuit. After bringing light of all of this to XXXX Bank, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX years old and in my 16 years of using credit, I have never paid anything late EVER.

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