Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Below is email I was directed by municipal court to send to judge at municipal court and XXXX XXXX, law firm who is representing XXXX XXXX XXXX ( the collector of VISA balance ) : I havent received responses back from voice mails left with javitch block and cant find accurate number for XXXX XXXX, it would appear to me that XXXX has not received the last XXXX payments I submitted from in agreement of monthly payment plan and entered a judgment against me, confirmed verbally for me today by clerk of court : Attn Clerk of Court/Judge : I am in receipt of Journal entry of judgment from XXXX XXXX court stamped received by court on XX/XX/XXXX. I contacted the court clerk on XXXX XX/XX/XXXX, to confirm that there is actually a judgment entered in my name and it was confirmed. 

Regarding my case, XXXX XXXX XXXX vs. ( my name ), I initially received notice in late XXXX of XXXX ' intention to file judgement via XXXX XXXX through summons. I contacted XXXX XXXX by phone on XX/XX/XXXX ( i.e the start of the payment plan which I was verbally informed over the phone was accepted and requested to pay XXXX deposit with my payment plan commencing on that day ). 
From there I was expected to make a payment of {$120.00} each month by the XXXX, with 5 day grace period all of which I received confirmation of in writing about a month later. I paid XXXX payment of XXXX on XX/XX/XXXX via phone representative at XXXX XXXX. XXXX and XXXX payments were each paid on the XXXX of each month thru XXXX XXXX online payment portal in which I am able to view my information once I enter my file number ( not included ). I am not even able to submit less than the payment amount agreed upon. On XX/XX/XXXX when I made the payment, my current balance of {$820.00} was reflected and once I made the payment my current balance of {$700.00} remaining reflected so XXXX puzzled as to why I still owe {$1100.00} ...? 

This amount ( {$700.00} ) would be correct considering the beginning balance, also reflected on the attached summons received in XXXX, was XXXX ... ... in XXXX when I started payment plan. The journal entry that I received yesterday reads there was a judgment granted to XXXX against me in the sum of {$1100.00}. which was my beginning balance. It appears I've received no credit for the {$400.00} worth of payments I've made on this account since XXXX ... ... ..Im wondering if my payments were forwarded by XXXX XXXX and XXXX so, did XXXX suffer some sort of cyberattack and didnt received payments? Other than that, I would need an explanation as to what happened. I contacted XXXX XXXX XXXX times today each time being prompted to leave voice mail, none of which were returned today, the last voice mail was left for a XXXX named XXXX. I attempted to contact XXXX twice from numbers that were located through XXXX search and the XXXX number was to CreditSage, the rep said they handle collections for several agencies and I have to XXXX XXXX payments. She declined to provide the number but XXXX payments led me to a number in which I never received an answer in XXXX minutes and then was disconnected. I have a feeling that this judgment has already affected my credit, not understanding exactly when entered because XXXX weeks ago I received a denial of credit and the reason noted was that there was recent judgment entered on my record XXXX XXXXI am sending this report to the Consumer Protection Agency ( federal agency ). 

( Signature Deleted )