Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX Account No. XXXX i, XXXX XXXX XXXX made a payment " Tender Of Payment with coupon on multiple occasions to XXXX XXXX. They credit my XXXX XXXX Account in full for the amount tendered on XX/XX/2019 but then on XX/XX/2019 i received an email stated that they had reversed the payment due to fraudulent activity or a suspicious payment tender money order coupon which is one in the same. 
Therefore the amount tendered should be discharged at this point and time showing on my account paid in full zero balance. I was told that the account reflects a current balance of {$0.00} XXXX. TransUnion falsely stated In a different response to this complaint, we TransUnion contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance was still owed per the automated system. You must contact a human not a automated system. The system they have does not communicate with humans accurately and phone calls are illegally made to the human when no debt is owed. XXXX XXXX called and left a message on my phone telling me they received the tendered payment and it was forward to the back office where these types of payments are finalized. I did not call them back nor have i herd anything concerning a bill or a debt owed. 

Please note that i am disputing the reporting of the above identified account on your TransUnion credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount TransUnion claims to be owed is false by automated machine? How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. 

XXXX XXXX called me on Monday XX/XX/2019, concerning a different account at XXXX, i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount in the full amount, and that they would cease the automated calls. Please accept our apologies and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received. 

Now if a automated machine calls and gives incorrect information to the party on the other end, how then is TransUnion claiming this is how they verified what was owed or the balance? In fact a tender of payment was received by XXXX XXXX on XX/XX/2019 for three times the amount owed. 

TransUnion ignored the Tender of Payment attached herein and went on the basis of a automated machine, when i got word and confirmation form a woman human person named XXXX whom stated the call was an accident and my payments was received. All calls are recored by both parities and i am willing to provide a copy of such call [ s ].

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