Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : credit card balance {$2400.00} with a late fee assessed of {$25.00} XXXX : XXXX XXXX  payment made {$51.00} balance {$2400.00} XXXX XXXX  additional late charge was assessed XXXX : cash payment {$300.00} balance $ {$2200.00} the payment is due on the XXXX but a late charge was assessed WHY? IT WAS DUE THIS DAY 6 days later ******* XXXX : cash payment made {$400.00} balance {$1900.00} XXXX : cash payment made : {$100.00} balance {$1800.00} XXXX : cash payment made {$200.00} balance {$1600.00} XXXX : cash payment made {$600.00} balance {$1000.00} same day XXXX : cash payment made : {$50.00} balance {$950.00} XXXX : cash payment {$800.00} balance {$150.00} *** told teller XXXX that I no longer have the card and have not had the card since XXXX she stated that it was in their system*** IN PERSON INFORMED TELLER INSIDE BRANCH # 3 ATTEMPT TO INFORM THEM I WAS NO LONGER IN POSSESSION OF CARD XXXX : cash payment {$2.00} balance {$140.00} XXXX : cash payment made {$60.00} balance {$88.00} ***informed teller LM that I no longer have the card and that I have been informing the credit union of this since XX/XX/XXXX -she stated that she sees in the system that the card is inactive and that she can see that I informed the credit union that I have not had the card since XXXX XXXX # 4 ATTEMPT TO INFORM BANK NO LONGER IN POSSESSION OF CARD same day : additional payment XXXX : paid balance of {$88.00} which brought the credit card to XXXX according to their records. 

I asked the credit union for a copy of all that was owed including interest to XXXX so that I could pay off the credit card. 

On the XXXX of XXXX, XXXX the credit union sent me a bill for {$46.00} with a balance of {$2300.00} stating that the bill was due XXXX with a statement date of XXXX-wrong This is wrong and inaccurate and bank fraud by XXXX XXXX. They are breaking the law. I have paid them according to their own paperwork. I have not had the card since XX/XX/XXXX and I have not used the card since the early Spring XXXX. All charges were paid and even with interest multiplied by XXXX dollars equals zero. 

I want the correct information sent to the credit bureau stating that this account was paid off and that this credit union will adjust their records to reflect true, factual, and accurate records and not FRAUDULENT RECORDS OF MADE UP CHARGES. I want these charges PERMANENTLY REMOVED FROM THIS CREDIT CARD ACCOUNT AND NOT ADDED TO THE CAR NOTE SINCE THEY ARE KNOWN FOR CREATING CHARGES AND MISAPPLYING PAYMENTS! 

Back story : I opened a credit card with the XXXX XXXX XXXX XXXX XXXX in or around XXXX. The account credit limit was {$2500.00}. I had the card in my possession until I decided that the card was of no use to me, I cut up the card into bits and pieces and discarded the card into a trash can. 
****There was never an annual fee that I was made aware of ***I phoned the XXXX XXXX XXXX XXXX and spoke with a customer service rep informing her that I no longer had the card, she rudely told me that I would " find the card '' - I can not find what is in the trash can. Call # 1 third week of XXXX XXXX I contacted the credit union a second time early XX/XX/XXXX stating that I no longer had the card and that I did not get a statement. I was told that I had skip a payment, which I did NOT AGREE to in XXXX. Call # 2 I was the only one in possession of the card for the entire time that I had this card until I cut up the card into pieces and trashed it, tied the trash bag, and placed it in the dumpster!

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