Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
XXXX XX/XX/XXXX I called XXXX bank to report fraud. XXXX XXXX about charges in the amt of {$110.00}, plus late charges, and Interest charges. Was told my Credit Bureaus would update and receive a new card in the mail 7 to 10 days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX first then transferred to XXXX in Fraud dept.. Once again was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. XXXX XXXX XXXX then transferred to XXXX in Fraud Dept.. was told they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXXToday XXXX waived all late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would happen.48 hrs for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that XXXX sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and she stated that it would be another 30 to 45 days. 

I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my Credit Report as well. I had been very sick with XXXX. They took off my late charges and I made double my payment on one card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. 

My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. 

I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. 

Please reach out to me for more information if needed. 

Thank you, XXXX XXXX

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