Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a XXXX credit account that I became delinquent on due to XXXX. Once able, i set up a payment plan to pay off the balance in XX/XX/XXXX with the method of payment being autopay. From that time until XX/XX/XXXX, I never missed a payment. In XX/XX/XXXX I was battling a severe case of XXXX that had me incapacitated for over 21 days. On XX/XX/XXXX, I was notified by XXXX XXXX of a delinquent account. I immediately logged into my Transunion acct to formally dispute this allegation. After doing so, I was told to also contact the creditor to investigate. XX/XX/XXXX I contacted XXXX and spoke with an amazing rep and explained that I was sick but that i had my payments set up on autopay and that I was never alerted of a missed payment. I told her I paid the payment they said was missed and that I wanted to pay the balance in full as well. I asked if there was anything I could do because for one I made 38 consecutive payments in a row and there was no way I would knowingly miss a payment with less than {$1000.00} left on the balance. Two before Covid I had a perfect payment history with XXXX as well and three I didn't know the payment didn't go through due to the fact I was literally fighting for my life. She stated that the company could extend a one time courtesy due to my extenuating circumstances. On XX/XX/XXXX, the account status improved and my XXXX plus points were added back to my credit score. Fast forward to XX/XX/XXXX and Transunion added the delinquent acct back to my report causing my score to drop again and also stated that I now had two delinquent accounts which was not true. Again I called Transunion to ask why it was reporting the account again and also reporting that I missed two payments. The representative saw the error and together we did the dispute over the phone. Results were to be available XX/XX/XXXX. On XX/XX/XXXX low and behold XXXX notifies me that I there were three notifications of me being delinquent on an account within the last 30 days. I AGAIN called Transunion who said that XXXX is the reason that that alert was sent. XX/XX/XXXX i called XXXX and they stated that they informed Transunion that the account was paid off and in good standing XX/XX/XXXX. So now I am reaching out to you and a few other agencies to correct this error. Also my information was leaked on the dark web XX/XX/XXXX from a Tranunion breach and as of this morning I have a new identity alert. I am not sure what is going on but the course of actions that have occured over the last 3 months has directly affected my business and the loan I am trying to acquire. I am a small business owner who has fought tooth and nail to survive all of the obstacles thrown my way and the mere fact that this credit bureau can not correctly report and remove a {$73.00} mistake is beyond me. You are playing with people 's lives with no consequences attached. You can not extend grace and then remove it. I was literally XXXX and the fact that I have to spend hours upon hours explaining what you can see is not okay. I never stated that the account wasn't mine or the debt. This is why I made 38 consecutive payments! But for me to get an alert yesterday that I had a delinquent payment on an account with a {$0.00} balance is infuriating and needs to be corrected and not in another 30 days!