Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for its abusive and unjust credit reporting practices, which have caused significant financial harm to me and potentially many other consumers. Given the severe economic challenges we are currently facing, such practices further burden responsible consumers and exacerbate financial instability. 

Case Details : While traveling abroad, I inadvertently missed a {$19.00} annual fee payment on my XXXX XXXX credit card ending XXXX. At no point did XXXX XXXX notify me of this outstanding balance or send a payment reminder. I have a longstanding history of timely and responsible credit management with XXXX XXXX, with no prior delinquencies. 

Upon returning to the United States and reviewing my accounts, I immediately rectified the issue and paid a total of {$77.00} ( which included any accrued fees ). However, despite my prompt resolution, XXXX XXXX has failed to update the credit bureaus to reflect the cleared balance, continuing to negatively impact my credit score. 

Unfair Credit Reporting and Consumer Harm : 1. Immediate Negative Reporting, Delayed Positive Updates While XXXX  XXXX instantaneously reports any charges made, they do not report balance payments with the same urgency, leaving accounts in an artificially negative state for an extended period. 
This practice is deceptive and unjust, as it disproportionately harms consumers by failing to reflect their true financial standing. 
XXXX. Severe and Disproportionate Credit Score Drop Due to this single, minor delay of {$19.00}, my credit score dropped by XXXX points, jeopardizing a critical real estate transaction just three days before closing. 
The rigid and punitive nature of this reporting system creates undue financial hardship and prevents consumers from accessing essential credit opportunities. 
XXXX. Unprofessional and Abusive Customer Service When I contacted XXXX  XXXX to address the situation, I was met with dismissiveness and a lack of accountability. 
I was informed that XXXX XXXX  reporting is automatic and irreversible, yet they have the ability to instantly notify credit bureaus of spending activity but not balance paymentsa glaring inconsistency that serves only to exploit consumers. 
XXXX. Retaliatory Credit Limit Reduction Shockingly, one day after I contacted XXXX XXXX seeking assistance, they reduced the credit limit on another one of my accounts ( ending in XXXX ), further worsening my credit utilization ratio and causing additional damage to my credit score. 
This retaliatory action directly contradicts fair consumer treatment and further underscores XXXX XXXX predatory behavior.

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