Consumer complaint received 2025-08-11 00:00:00
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.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, the debt relief company that I was working with made a deal with XXXX XXXX XXXX  to settle my debt. \nAgreed payment amount and dates:XXXX XXXX XXXX XXXX XXXX XXXXI have the statements from XXXX  proving that all payments were made according to the agreement. \n\nI continued to receive statements from XXXX XXXX  each month. XXXX  said this was normal. After my settlement was paid in full on XXXX I continued to receive statements from XXXX XXXX  stating that my account was past due and I need to make the minimum payments. I received statements on the following dates: XXXX XXXX  I called XXXX  and asked why was I still receiving statements because my account was settled and paid. I was told that I needed to contact XXXX. They said it usually takes a couple of weeks for everything to be updated. \n\nI called again XXXX and was given the same run around. \n\n\nOn XXXX XXXX XXXX, I sent the following letter: \n\nI am writing to dispute the following information that XXXX XXXX XXXX My account should be reported as a closed and paid settlement with a XXXX  balance. XXXXEnclosed are copies of my credit reports and settlement letters as well as payment receipts supporting my request. As of XXXX  this account has been paid in full per our agreement. My credit report should reflect a XXXX  balance and zero late payments since XXXX per our agreement. Please reinvestigate this matter and delete (or correct the disputed items) as soon as possible.\n\nPlease reply within the time limits as stated by the FCRA or delete the data which appears on my credit report.\nSincerelyXXXX XXXXEnclosures: XXXX XXXX  and Transunion credit reports.\n-Settlement Letter\n-Payment receipts\n\nI received no response. XXXX called XXXX XXXX again and they said I needed to send an email with the payment receipts from XXXX. XXXX I sent the following email: \nI am writing to dispute the following information that XXXX XXXX XXXX My account should be reported as a closed and paid settlement with a XXXX  balance.\n\nEnclosed are copies of the settlement letters as well as payment receipts supporting my request. As of XXXX this account has been paid in full per our agreement. My credit report should reflect a XXXX  balance and zero late payments since XXXX per our agreement. Please reinvestigate this matter and delete (or correct the disputed items) as soon as possible.\n\nPlease reply within the time limits as stated by the FCRA or delete the data which appears on my credit report.\nSincerelyXXXX XXXX XXXXEnclosures:\n-Settlement Letter\n-Payment receipts\n\n\nI received no response. \n\nI followed up on my email on XXXX XXXXI received a letter in the mail dated XXXX XXXXnThe letter stated: \nDear XXXX XXXXWe're XXXX XXXX and we handle everything credit-related to your XXXX XXXX credit card account.\nAfter our investigation, we have updated our records and notified the credit reporting agencies of the changes that need to be made.\nThese changes should be reflected on your credit file within the next 45 days.\nThank you for reaching out to us.\nWe appreciate you giving us a chance to look into this for you, as we truly value your business - and we apologize for any confusion. If you have more questions, please call us at XXXX (TDD/TTY:\XXXXSincerely,\nCustomer Care Team\n\nI continue to receive statements and my credit reports with XXXX, Transunion and XXXX  all state that I am more than 120 days past due, late payments and a balance of $XXXX.\n\nI am not sure what else to do at this point. I have disputed all 3 bureaus but XXXX  is reporting to them that all information reported is accurate. It has been over 6 months with me dealing with this issue and trying to get it resolved."

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 non-monetary relief