Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In the spring of XXXX, I went to the office of XXXX XXXX, XXXX on XXXX XXXX XXXX XXXX in XXXX, OR ( aka XXXX XXXX XXXX ) to return a BiPAP machine. I asked if I had any unpaid amount owed and was told " no. '' After that, I received a few automated messages from XXXX, XXXX reminding me to refill my BiPAP supplies. I returned a few of the calls reminding them that I no longer had an account with them, in which each time the receptionist would look up my account to take me off their automated call list. Not once, in the multiple times I called back, was I informed of any amount owed. I did not receive a letter, email, phone call or any other communication from XXXX, XXXX about any amount owed. In XX/XX/XXXX, while I was visiting my family for the holidays, I received an automated phone call from collections agency XXXX XXXX XXXX stating that they were attempting to collect a debt. I returned the call and left a voicemail requesting more information. The phone call was not returned. When I returned home, I had a letter waiting for me that informed me that XXXX XXXX XXXX had submitted an amount owed to XXXX XXXX XXXX. I called XXXX XXXX XXXX to try to resolve the issue and left a detailed explanation with the receptionist who told me I would get a call back from the branch manager. I never received a call back. I called XXXX XXXX XXXX back three more times requesting to talk to the manager and each time was sent to his voicemail where I explained the issue at hand ( that the branch had never contacted me about an amount owed and it was inappropriate to submit an amount owed to a collections agency without attempting to contact me. ) The branch manager never called back. I did, however, in the spring of XXXX receive a bill from XXXX XXXX XXXX confirming that they did have my phone number, email address and home address. Each time I received a letter and/or automated phone call from XXXX XXXX XXXX, I promptly called them and was sent to voicemail where I left a total of at least three voicemails requesting to dispute the charge, assistance with what to do next to resolve the issue, as well as personal details that I was planning to apply for a home loan soon and was concerned the derogatory mark on my otherwise clear and in good standing credit history would affect my ability to get a loan. I never received a call back from XXXX XXXX XXXX regarding my requested dispute or assistance with the issue. Instead, I continued to get flagged on my credit report that the amount owed was past due, further lowering my credit score and negatively impacting my credit history. I applied for the home loan and was denied due to the derogatory mark and amount past due. On XX/XX/XXXX, I filed a formal dispute with XXXX and TransUnion. On XX/XX/XXXX, my TransUnion dispute results came back as " VERIFIED AS ACCURATE. '' I called TransUnion to explain the issue I have had with both XXXX XXXX XXXX and XXXX XXXX XXXX, and was told to either refile the dispute with supporting documents ( which of course I don't have because the issue is that this amount owed was never made known to me ) or file a complaint with CFPB. I requested to speak to a manager and was denied. I am now filing a complaint in an attempt to resolve this issue. I have done my due justice to try to resolve this issue with XXXX XXXX XXXX, XXXX XXXX XXXX and TransUnion, and have been denied the ability to find a resolution.