Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern, After multiple financial challenges, I concluded my principal financial obligation with XXXX XXXX on XX/XX/XXXX. The car loan was paid in XX/XX/XXXX ( an extension was granted due to the pandemic ). XXXX XXXX is reporting false statements ( 30 days late ) to the credit bureaus which is affecting my life and creditworthiness. 
I was anticipating my payoff letter and was confused as to why my account was not closed after I finished paying the loan. In the past, I have received a bill with any remaining late fees ( if any ) from other auto companies. 
On XX/XX/XXXX I called and a XXXX XXXX representative informed that my account could not be closed because although my principal loan was paid in full my account would remain open with {$0.00} balance however, not the late charges of approx. {$400.00} dollars. I was assured by the representative as long as I paid my late payments ( I paid weekly ) my account was fine. I questioned this practice and called and I spoke with several XXXX XXXX representatives from XX/XX/XXXX to XX/XX/XXXX inquiring about the XXXX that remained open on the account however not the actually late balance and each time a representative stated my account could not be closed or reflect that true balance which of course left me confused and upset. Each representative gave me a different explanation and sometimes they hung up the phone after leaving me on hold when I asked for a supervisor. They stated it had to remain open to assure they would receive the late fees owed on the account. 
Each month after XX/XX/XXXX, XXXX XXXX never reported the {$0.00} to any of the three credit bureaus. I am aware of XXXX XXXX questionably practices and I hope this not one them because its unfair to consumers who trust them to be honest. 
XXXX XXXX did not provide me with any communication regarding their intent to keep my account open with a fabricated balance to collect outstanding late fees. And unexpectedly in XXXX, I received credit alerts that my car loan account was 30 days late. 
To further damage my character, they reported this erroneous information to all three credit bureaus despite accepting payments and assuring me it was nothing to report. I again immediately called them and pleaded with them to remove this information and was informed they would and also decrease my balance from {$290.00} to {$280.00} to reflect the correction. They accepted my payment of {$280.00} however they then placed the remaining balance of {$15.00} ( that they previously agreed to remove ) as now outstanding. I beyond confused and need assistance on what I can do to get my life back. 
XXXX XXXX has been misleading and unfair and discriminated against me in lending practices and has opted to destroy my reputation and my credit worthiness for their own attainment. My life is on hold. I have struggled since the pandemic and have been committed to paying to repaying my debts. XXXX XXXX is reporting inaccurate information to the credit bureau as 30 days late which is not true. The car loan was paid in XX/XX/XXXX ( an extension was granted due to the pandemic ). I want the 30 day late removed from my account as agreed. 
On my behalf can you please investigate this matter with XXXX XXXX and advise me on next steps.

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 non-monetary relief