Consumer complaint received 2015-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a disturbing letter in the mail that XXXX of my credit card was cancelled due to inactivity and delinquency. So, I decided to open my free credit report and found out that my XXXX XXXX credit card account is the one that caused of delinquency. Prior to this noticed, I received a call from XXXX XXXX customer service and stated that I had missed my payment for last XXXX XXXX, 2015. I told the customer service that I am not aware about the bill because I did n't receive XXXX and as far as I know I made my payment and paid off my balance back in XXXX 2015 since when I called over the phone to make my full payment the guy I spoke to said that my current balance was XXXX when I asked him " please tell me what 's my current balance? '' I made my full payment on that day and I have n't use the card since then until sometime this XXXX ( about XXXX week of XXXX was my last purchased worth of {$72.00} ). The following week after I purchased from XXXX XXXX I received a phone call from a toll free number stating that they are calling from XXXX XXXX. I was surprised to received a call because I know I did n't have anything that as far as I know I owe from this store. So, I called them after work due to a call from them every XXXX hrs which I received on my phone. I spoke to their customer service and asked them why they are calling me almost every XXXX hours? The customer rep said that I am overdue of {$12.00} something. I was surprised when I heard that! I told him " how can I be overdue if I just purchased from their store not even a week ago? '' The customer rep said that I did not make my payment for XXXX and XXXX 2015. I was shocked hearing this! I told him " how can I owe you that money if I made my full payment over the phone last XXXX 2015 since the last customer service rep who helped me said that I do n't have a balance anymore since I made my full payment? '' I even insisted to this guy to check carefully because I am not receiving any bill either online and not even a billing statement at my home. I told him if I knew I owe you that money I would pay it! I even told him " you know how I pay my bills? I paid them off right away! '' And I asked to speak to his manager so that I can get this straighten out! He refused to transfer me to his manager. He said he can help me and not needed a manager to get involve that is why he was there! And while I was speaking to him, I had another call on the other line coming from their company! I was so XXXX off! I told the guy I was talking to " what is this? I am called you already regarding this matter and yet you still have XXXX of your co-worker calling me about this {$12.00} your saying I did n't pay! '' Wow! This is ridiculous! I ca n't believed this! So, the guy said I am reading the notes here from your last call and that you made your full payment of what the balance was shown but after you made the payment they posted a few days later the {$6.00} of interest fee that you were not aware since it was posted after you made your full payment. So, I told him that I was not aware at all because I never receive any bills online or even a billing statement sent to my home at all! I told the guy that if I only knew about this, I would 've paid it off right away! But since there was no means of communication at all from XXXX XXXX, I had no idea that they were putting me in collection for things that I am not even aware off! The customer service representative said that he waived the {$12.00} due since I was not notified at all with this billing statement. At the same day, I paid off the total amount I was due on XXXX XXXX, 2015. I told him to listen to the conversation that was made during my call in XXXX 2015 and he can verify from there that I paid the full balance. And yet, I was surprised that they reported me for delinquent account eventhough it was not my fault. Please kindly take a look at this complaint. See attachment.

Company response to consumer: Closed with explanation