Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX I am writing to address the inaccuracies surrounding my account with your institution. On XXXX XXXX XXXX, I diligently made an in-person payment of {$1500.00} in cash towards my Personal Loan Installment at a local XXXX XXXX branch . I ensured the transaction was completed by obtaining a receipt, thus bringing my account up to date as intended. However, my confidence in your institution was soon shattered when, two weeks later, XXXX XXXX XXXX XXXX ( XXXX ) inexplicably reversed the {$1800.00} payment I made. To my dismay, XXXX applied this payment to an auto loan installment, which I also held with your institution. Consequently, this action caused my Personal Loan Installment account to fall into arrears, leading to its immediate charge-off in XXXX XXXX XXXX. I have received a notification stating that this same installment account was closed AND CHARGED OFF XX/XX/XXXX. This a CLEAR DISCREPANCY and INACCURATE information reporting ( Multiple violations and I requesting for this account to be deleted because of the inaccurate reporting ). I am deeply troubled by the negligent and fraudulent handling of my account. At no point was I informed or provided with written notice that my payment would be diverted to another account. This deviation from my explicit instructions to apply the payment to my Personal Loan Installment constitutes a breach of trust and a violation of my consumer rights. 

Considering these egregious errors, I am compelled to request immediate action to rectify this situation. Specifically, I demand the following : Deletion of the erroneous account from my credit report, as its presence is detrimental and unjustified. 
A comprehensive investigation into the circumstances surrounding the reversal and misapplication of my cash payment. I seek clarity on why this occurred and assurance that corrective measures will be implemented to prevent such incidents in the future. 
Transparent communication regarding the steps being taken to address this matter and prevent its recurrence. 
Please consider this letter as a formal dispute concerning the mishandling of my account. I expect a timely resolution to this issue and request confirmation of the actions taken within 30 days from the date of this correspondence. Failure to address this matter satisfactorily within the stipulated timeframe will leave me with no choice but to pursue legal recourse. Additionally, I will file formal complaints with the NCUA, XXXX, CFPB, the Attorney General, and other relevant regulatory bodies. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Your prompt attention to this issue is appreciated. 
The following supporting documents are enclosed for your review : 1. CARES ACT 2. 15 USC 1681b ( 2 ) ( a ) ( 1 ) PERMISSIBLE PURPOSE 3. 15 USC 6802 ( OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFO ) 4. 15 USC 1681 C-1 5. 15 USC 1666 ( BILLING ERROR ) 6. 15 USC 1666b ( TIMING OF PAYMENTS ) 7. 18 USC 8 ( I OWE NO DEBT )