Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I attempted to contact XXXX XXXX via telephone ( placed on hold ), text ( kept switching operators - wanted me to type a large text about the complaint etc - waste of time for a complaint ), and internet ( I received an error that they couldn't accept the complaint and to try again later. I also attempted to make a dispute with TransUnion via the 'start a dispute Online ' link but received a message that their site was not working. The letter I wrote is below. 

This auto loan was opened on XX/XX/XXXX. I received a statement and paid more than the minimum payment every month for 18 months until XX/XX/XXXX with a balance of approximately {$15000.00}. I have not received ( and I doubt a statement has been mailed ) a statement since XX/XX/XXXX. I assumed that I was ahead on principle, thus would not receive another statement until XXXX collected the 5.9 % interest they were losing due to the quick payoff. Then COVID arrived and I was grateful that I made those large payments and would not have to worry about a car payment for a while. Note : I do not want nor have I requested to do business online with XXXX XXXX. 

In XXXX of this year, XXXX, I received a call from XXXX XXXX stating they had not received a payment from me and the account was delinquent {$440.00} for XXXX ( Apparently the bill was due on XX/XX/XXXX - Im thinking my initial conversation with an operator occurred XX/XX/XXXX or XXXX XXXX to 4 days after the due date ). I immediately let them know I did not receive a statement. The operator asked for my address indicating it was listed as XXXX thus maybe it didn't get to me for some reason. It was updated to XXXX XXXX XXXX. Weird since I received statements for 18 months across XXXX - XXXX. I was asked to make a payment online and I informed the operator that I intended to make a payment thru the mail when I received the statement. The operator provided the XXXX XXXX mailing address as well as my account # to write on my check just in case I didnt receive the statement. I was reminded, the due date is the XXXX of each month and if I don't receive a statement, especially because of COVID and the complications with mail not getting where it is supposed to go in a timely fashion, to send a payment even if I dont receive an invoice. ( Hmmmm - what is going on here? This doesnt feel right. Im smelling smoke. ) I waited many days ( I'm not sure how many ) confident I could rely on XXXX to do the right thing and mail an invoice, but it did not arrive. I again received calls from XXXX XXXX and decided to make an online payment of {$3000.00} on XX/XX/XXXX. Note : I support our US Postal Service and I do not want to do online banking! 

A couple of days ago, I received a bill from another company indicating my FICO score had dropped to XXXX - What? I don't remember the last time my FICO score was below XXXX. This is not right. I printed the TransUnion Credit Report to find that XXXX XXXX had made an adverse report stating, 'Maximum Delinquency for 30 days in XX/XX/XXXX for {$420.00} '. This is not accurate since the amount was due XX/XX/XXXX and payment was sent XX/XX/XXXX. This is XXXX 's error, not mine and I would like this to be removed from my credit report. As an FYI, I have not received a statement from XXXX XXXX since XXXX of XXXX. 

Some quick observations : I received messages from and talked to several different operators - customer service was excellent!! I want to believe XXXX is committed to conducting business ethically, honestly, acts with integrity, takes accountability for results, and does the right thing. Research indicates this is questionable. I have not had any problems with the US Postal Service, not during COVID or during the months when the XXXX XXXX deliberately tried to hamstring the USPS in advance of the XXXX election to help his re-election bid. I consider this incident predatory and hope it wont happen again. 

I would like my credit report corrected since I have not received a statement from XXXX XXXX since XX/XX/XXXX. This is XXXX 's error, not mine. The payment was not 30 days delinquent since it was due XX/XX/XXXX and payment was received by XXXX on XX/XX/XXXX. Again, I do not want to conduct online banking and prefer to use and SUPPORT the U.S. Postal Service thus expect a statement as soon as possible.

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