Consumer complaint received 2025-09-14 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:
A new rebuttal letter can be drafted using the information from all the documents. This version will be a stronger rebuttal, using the checks as evidence that you did pay more than the original promotional balance and were unable to resolve the issue because of XXXX 's administrative errors. 

Here is the updated letter for you to send : * * * # # # * * Formal Rebuttal and Demand for Correction * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX * * Date : * * XX/XX/XXXX * * To : * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX * Cc : * * Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXXXXXX Iowa XXXX, Iowa XXXX Office of the Comptroller of the Currency ( OCC ) ( Address as per your appeal documentation ) * * Subject : Rebuttal and Demand for Account Correction - Account # XXXXXXXX XXXX XXXX   Dear XXXX XXXX, I am writing to formally rebut your response dated XX/XX/XXXX, and to demand a full correction of my account and credit history. Your claim that " there is no record of you contacting us by phone or email '' is demonstrably false and entirely ignores the core issue that has led to this prolonged dispute. 

My original promotional purchase of {$210.00} was made on XX/XX/XXXX. As confirmed by my bank statements, I made a series of payments to " XXXX XXXX, XXXX '' via check, which total * * {$230.00} * *. This amount more than covers the original promotional balance. I did not use this account for any other purchases, yet my XXXX statements show other payments were applied to a separate promotional balance. 

The only reason these payments were not made as a single, full payment was due to your administrative failure to provide me with a physical card or the full account number. I had no means to make an electronic payment and was forced to send checks for a portion of the balance, which were not applied correctly. I raised this issue in my complaint to the CFPB on XX/XX/XXXX. 

Your refusal to waive the interest and fees of {$28.00} and {$29.00}, respectively, is unacceptable as these charges are a direct result of your company 's error. I paid the promotional balance in full, as evidenced by my bank records showing total payments of {$230.00} to your company. 
I demand the following actions be taken immediately : 1. * * Waive all interest charges and fees. * * 2. * * Credit my account for the total amount of my payments. * * 3. * * Provide a corrected statement showing a zero balance. * * 4. * * Remove any and all negative payment history from my credit report. * * The negative reporting on my credit is inaccurate and damaging. I expect a prompt and satisfactory resolution, and a corrected account and payment history to be reported to all three credit bureaus. I will continue to pursue this matter with the CFPB and the OCC until this issue is fully resolved. 

Sincerely, XXXX 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