Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom it may concern : I wanted to check a few boxes -I am not certain which this would fall under- other than a new law called ' Lets hurt good Americans law ' For the past 15 years or so I have had a XXXX XXXX XXXX credit card - with XXXX XXXX XXXX in XXXX XXXX XXXX and I have always paid on time for the past 10 plus years - i have never missed a payment, often I would pay off the card in full and start over etc etc, for purposes typical of my small business- car rentals etc- or other- 10 to 15 years ON TIME - always paid MORE than the amount owed!! 

2 months ago I received a letter stating that due to credit report that my card must be ripped up and is no longer in use!! and by the way their was still approx, {$500.00} left on the card it was not maxed. This was so frustrating and what I thought 'illegal ' to pull something that you took such great care of- i knew to always pay on time and how important this was for my credit, far more important for an emergency I may have. I lost a company recently and starting over. 
I wrote the president of the bank here in XXXX XXXX - and he asked me to call a number etc- their reason was 'your credit report ' and I said " but wait -- hold on one minute here- i paid YOU ON TIME FOR 15 years " - this is absolutely unholy unnecessary and truly frightening to me that in our country 'AMERICA ' you take from US who pay on TIME -for WHAT -?? perhaps my hospital bill is on the report which is even far worse -- far worse. 

further i shared with the bank president i refuse refuse to pay your interest- refuse- i will only pay what i spent- PERIOD -- thankfully i have one other card- because i was headed out of town to see clients and needed rent a cars-hotels. Perhaps its only time that this one will be pulled also- are you trying to 'control ' your entire population in America with all your unlawful credit reporting laws that stop people dead in their tracks to rebuild and to reorganize or to function in a normal society??? are you truly wanting all of us who work under wage to rely on YOUR government who will 'hopefully change some laws ' wanting the best for those of us who pay our bill on time- let us pray that President TRUMP breaks this wall down- because XXXX and others have by far hurt us in ways unfathonable- I can see if i did not pay my card- however this is NOT the case!! Thank you for your time and the hopeful possibility that our credit laws will change so AMERICANS can build or rebuild their life and buy a home- or refinance if they loose they jobs, or buy a car if one breaks down, etc- as long as they pay their credit cards on time- or other - further NO hospital bill should Ever ever ever go onto any credit report for the love of GOD- what is THAT? unless their are 'those ' who mis-use the hospitals for frequent 'unnecessary ' emergency visits in a certain period of time-and even then- this should not go towards one credit report- we all fall at time in our life- the loss of a loved one- the loss of a job- a wage that does not match our overhead etc -we all have issues of health or children or loss of a good job -- ca n't we figure out a way that the above is preventable?

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