Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the following information that XXXX supplied to TransUnion. The detail I am disputing is that XXXX put me into Collections! This is not justified if XXXX representatives did not comply with the verbal agreement that we had together. After I cancelled XXXX, they agreed I would not owe any other payments. If XXXX had reported this to my account, it would not have been in Collections. Despite being stunned at the bill they sent, I still made the arrangements to pay it, and I did. I cancelled XXXX in XXXX. They said I was not going to receive another bill due to all the trouble I was having with their service. I am alone, going to be XXXX in XXXX, and on a limited budget. XXXX knew this. I also have certain health challenges, ie., XXXX XXXXXXXX and prior XXXX XXXX with XXXX XXXX fracture and medial XXXX XXXX that I healed on my own but not without residual issues. These are the pertinent things that I need to pay attention too. Ones health and lifestyle at XXXX and being alone impacts your life where you scratch your head when you receive a bill that eels like a discrepancy contradiction due to what we discussed prior. You think you are all solvent from what we agreed on together. The last bill showed a few fees including a late charge that were taken off, but this should not preclude that you now owe a payment that we all agreed was not coming- and what about the unsatisfactory service, falsehoods, various other problems, i.e, they said I was not in a contract, then they said I was, service being out in my area, inconveniences of trying to pay my bill with XXXX XXXX and it not working, misleading communications of telling me to go into the physical XXXX store to pay only for the store representative to direct me back to XXXX phone customer service, misleading contradictory communication, i.e., promised credits for swaths of time when service was out, etc, perpetually having to change my pin that they claimed was not correct and then being hostile about not talking to me if I did not have the correct pin, and an array of times with errors stating my email was wrong which was another reason for bumpy roads - despite promoting you to pay online, their system would take a payment without me hitting confirm ( or whatever the word is ). however, the most important point pertaining to this Collection issue is that there was nothing noted on my account regarding our verbal payment agreement for {$100.00}. I agreed to pay it despite their breaches, because I had had enough!!! I specifically stated that I would pay it to their specific mailing address in XXXX installments. I told them that I would pay it in both XXXX and then in XXXX, and that due to having a financial commitment in XXXX ( due to my and XXXX 's agreement, I did not even expect the bill ), and that I would NOT be able to pay in XXXX, and their representatives unconditionally and even gleefully agree!!!!!!! I reiterate that I then told them to note my account of same, and they said they did. They gave me a specific mailing address, and when I finally was able to confirm the address, I had cycled through XXXX representatives with discrepancies for the correct address which led me to feel even more fearful of the check going missing so even sending a payment by XXXX felt vulnerable However, on XX/XX/year> XXXX did say that they received my payment of {$50.00} as I promised, and I again told them to note my account that I would NOT be paying in XXXX, but only in XXXX, 2023. Of course I always confirmed for them to note my account, which they again said they did, so at XXXX different times the consensus was, no problem and In XXXX I paid the {$58.00}. Verizons missteps should not reflect their action to put me through Collections for a bill that I paid cooperatively with XXXX representatives without even knowingi it was in Collections because of our discussions. XXXX ever told me it was in Collections, and and contrary, everyone told me that " no way '' was it in Collections and that I was " all good ''. I am a mature and reasonable adult, and this has been devastating on my life. I am alone and on limited imcone and rely on my good credit. I take great effort to succeed to prove facts and keep my credit good. It feels like XXXX 's format is set up to fail you if they can. In billing they take advantage of aging people on fixed incomes with erroneous accusations and bogus reporting and documenting which is not on time, not accurate and which throws you off. There is a discord in communication and system procedures that does not ensure confidence and reliability, and they seem to even bully the customer. 

Again, XXXX verbally communicated with me, stating that I did not owe anything else after I cancelled due to credits I was going to receive for past transgressions. XXXX contradicted our verbal agreement. In general, there were continuous setbacks. Sometimes waiting for more than an hour was not uncommon, and then you just can not continue. Everyone is super nice, but without a consensus that we agreed upon together. Also calls were always dropping, not being able to make calls and texts not coming through.

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