Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Company : XXXX XXXX XXXX, Credit Card Servicing Department Account in Question : Opened on or around XX/XX/XXXX Original Credit Limit : {$300.00} Nature of the Complaint : Unjust Account Closure, Deceptive Practices, and Harmful Credit Reporting To Whom It May Concern, I am writing to formally submit a complaint regarding egregious actions taken by XXXX XXXX XXXX, specifically its credit card servicing department, which have not only harmed my financial integrity but have also violated both federal and state-level consumer protection laws. 

In XXXX of XXXX, I opened a credit card account with XXXX XXXX with a credit limit of {$300.00}. The account remained in good standing until approximately XXXX of XXXX, at which time I experienced unforeseen financial hardship that limited my ability to make regular payments. Nevertheless, I remained committed to resolving the balance in good faith. 

To my alarm, in XXXX of XXXX, XXXX XXXX unilaterally closed the account without any advanced notice, written communication, or consent on my partdespite my ongoing efforts to maintain responsible payment. When I contacted the XXXX  XXXX servicing department seeking clarity and resolution, I was informed that while I could continue making payments, I would not be allowed to reinstate, access, or fully resolve the account status because the decision to close the account was deemed not mine to make. 

This practice raises multiple legal concerns under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates accurate, fair, and substantiated credit reporting. The unilateral closure of my accountwithout consent or due processand the continued negative reporting have significantly impaired my credit score, financial reputation, and access to credit markets.

Additionally, the Equal Credit Opportunity Act ( ECOA ) [ 15 U.S. Code 1691 ] ensures that creditors must notify consumers of adverse actions taken on their accounts. XXXX XXXX failed to do so in this case, thereby violating notification rights under federal law. 

This conduct further infringes on my constitutional rights, including : The right to due process under the XXXX Amendment, as I was not given any fair opportunity to dispute or rectify the closure ; The right to transparency and accountability from financial institutions operating under federal charters and protections. 

Furthermore, as a resident of Mississippi, I am protected under Mississippi Code 75-24-5, which prohibits unfair or deceptive acts or practices in the course of trade or commerce. The treatment I received, coupled with the refusal to allow reinstatement or dispute, may amount to deceptive and unethical financial servicing behavior within the state.

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