Consumer complaint received 2024-03-22 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: OR

Complaint narrative:
My auto loan with XXXX was paid off on XX/XX/XXXX. 

They correctly reported the account closed and paid in full XX/XX/XXXX, but then reported it open again with a full balance of {$37.00} on XX/XX/XXXX. 

Transunion showed the account still open with a balance as of XX/XX/XXXX. 

I disputed it as inaccurate on XX/XX/XXXX and they apparently again changed the account to closed and paid off on my credit report. 

However, again several days later changed it back to open and denied the dispute saying it was accurate as-is. 

I opened another dispute today stating that the account was paid off in full the last week of XXXX, and is closed and paid in full as agreed. 

I then called XXXX a few minutes ago to see why they are apparently telling Transunion the account is open with a balance when it is paid off and closed. 

The XXXX representative told me that they only report to the bureaus at the end of each month. 

I asked why then did you report it as open with a balance at the end of XXXX when it was already paid off? 

As well, I asked why did they tell Transunion when I disputed the status of the account on XX/XX/XXXX that it was still open? 

Their answer was that at the end of XXXX they will report to the credit bureaus that the account is closed and paid off in full, which is a full two months AFTER it was paid, and AFTER they've already falsely changed the status from the accurate status of closed and paid, back to open with a $ XXXX balance! 

I said that does not answer my question as their report to the bureaus in XXXX was inaccurate and false since the account had been paid in full and closed in good standing, AND it had already been accurately reported as closed and paid in the first place! 

As well, I said that also does not answer my question as to why they falsely reported my account still open to Transunion in XXXX when I filed the dispute on XX/XX/XXXX about the status. 

XXXX has now knowingly reported false and inaccurate information to Transunion at least twice within a 60 day period. 

Upon contacting them today, they declined to correct any of the inaccurate information they have reported and are purposefully declining to comply with the FCRA. 

They are knowingly violating my right to dispute false and inaccurate information they report about my credit to the bureaus. 

This willful failure to follow the FCRA has now significantly and negatively affected my credit rating with the bureaus. 

As a small business owner that depends upon my credit rating to help attain needed capital to support my business, and fund payroll for my employees between client project payments, this willful violation of the FCRA is directly negatively affecting my livelihood and financial capabilities to successfully run my business.

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