Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
SUBJECT : Violation of Truth in Lending Act ( TILA 1968 ) REF : FCRA, FCBA Infringement ( XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX Sir/Madam, In pursuant to above subject , reference to Cardmember Services ( XXXX XXXX  ) & Credit Reporting Company ; It was advised to correct/delete the XX/XX/XXXX charges shown due on Credit History Report. 

Hereby stated- 1. That, on XX/XX/XXXX I purchased petroleum products with my XXXX Credit Card worth XXXX from a merchant with the promise of delivery within 7 business days of the payment. XXXX SEE MERCHANT DECLARATION ATTACHED ) Despite repeated attempts to reach out to the merchant after 7 business days, I have not received the promised products TILL DATE. 
2. That in XX/XX/XXXX, I filed multiple disputes with XXXX XXXX  against merchant. 
3. That, XXXX was informed " these charges are for goods we didn't accept/were n't delivered ''. 
4. That, XXXX was informed " I ask for an explanation along with request for clarification ''. 
5. That, thus XXXX was informed that these charges were " BILLING ERRORS '' under FCBA. 
6. That, of the 5 charges by merchant, XXXX gave temporary credit in XX/XX/XXXX for {$0.00} ONLY. 
7. That, although the disputes were filed in XX/XX/XXXX, XXXX did not provide the temporary credit for other charges UNTIL XX/XX/XXXX XXXX SEE ATTACHED ). 
8. That, quoting FCBA " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. '' 9. That, although the dispute were filed in XX/XX/XXXX, XXXX provided the resolution on XX/XX/XXXX ( SEE ATTACHED ). Thus quoting FCBA " If a creditor takes more than two billing cycles to resolve a dispute, the penalty applies. '' 10. XXXX closed the dispute ILLEGALY a ) WITHOUT PROOF OF DELIVERY b ) WITHOUT TRANSACTION CHARGESLIPS ( Thus transactions are not bound by card-member agreement ) c ) WITHOUT MERCHANT RESPONSE ( No merchant signed response has been shared ) 11. That, despite my refusal to pay the disputed amount, XXXX failed to accurately report " I don't think I owe the money ''. And despite FCBA guidelines, XXXX failed to share who got these reports. Thus quoting FCBA " The penalty also applies if a creditor improperly reports failure to pay during the dispute period. '' In addition, the Dodd-Frank Wall Street Reform & Consumer Protection Act, 2010 's Regulation Z and TILA, states that the " FULL Investigation reports be shared including clarification on concerns raised by the cardholder ''. The law also prohibits explicit mandatory arbitration and waivers of consumer rights however XXXX has refused to abide by the same in its responses ( REFER ATTACHMENT ). 

While quoting FTC " You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs. '' All my attempts for resolution have been responded with delays or attempts to digress TILL DATE. Thus, a copy of the above chronology of events along with pattern of evidence against Visa, DCA & Federal guidelines is being shared with respective agencies. A COPY OF THIS COMPLAINT AND ITS OUTCOME WILL BE SHARED WITH SEC, Federal Reserve Board & DEPARTMENT OF JUSTICE FOR MONITORING & REGULATION PURPOSES. 

We are in constant touch with respective authorities and reserve all our rights.

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