Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
The XXXX company did not apply the autopay payment to the bank account i had in the system you chose to process it on a card that i did not authorize for auto pay and only for my first payment. I did not know that the payment was not processed until I saw they reported a late pay to the credit bureaus. When I contacted them about not processing the payment to the account I had in the system they stated they processed it to a form of payment I did not authorize for autopay and i know that is true because I had 2 loans with them at the time and the other loan they used the correct autopay method and all payments were completed but for some reason they chose to process this loans payment on the method that I only used to get the loan initially. I set up autopay to come from the same account for both loans yet they used something else. They never reported the loans and the on time payments they only reported once they erroneously made me appear late because they didn't process payment on the method I provided. They also still is not reporting the other account that i had with them that was paid off and always on time ( For over 5 months ) they only reported this one when they erroneously made it late you did not report to the credit bureau until you were putting a negative mark. Which is only because of your system and error. Because I was so frustrated with their poor customer service and lack of care and concern for the consumer even though I was promised by a supervisor that this will be escalated and corrected I never got a call back and as I continue to dispute to the credit bureaus and ask them to just delete since I don't owe them anything and they still are not reporting the positive account I have asked them and because i dont owe anything Delete the account from my credit report all you have to do is tell them to delete since it is your error and it is paid in full. Your systems are not good, up to date and you rely on them and they are not working properly as you just stated in this email you sent a email to XXXX in XXXX and XXXX and you can not provide any proof of that because it is not true as you didnt have that email address then. They sent an email saying that they notified me of the late payment in XXXX and XXXX at an email address that they didn't even have back then so they are negatively impacting my credit report refusing to delete when the information that they are reporting is incorrect and in violation of my rights due to the issue being because of some error in their system. All I can do is provide the information to make a payment I can't make sure that they use the correct information and this is what they did and then reported me late on a payment that was only {$41.00} had they processed the method of payment I provided them for the payment they would have gottend the {$41.00} payment and had they sent me an email like they state they did but have no proof of me ever receiving they never sent anything in the paper mail and obvisously there is is something wrong with their email servers. Please have them to delete this account from my credit report. Loan account ending in XXXX

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