Consumer complaint received 2025-09-09 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: NV

Complaint narrative:
Target XXXX XXXX XXXX XXXX, MN XXXX XXXX To : XXXX, XXXX, XXXX XXXX XXXX RE. XXXX XXXX, Last XXXX ID # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Recent 30 Day Late On XXXX XXXX  Card Due To XXXX XXXX Error-Please Remove-Effecting Auto Loan Hello, Back in mid XX/XX/XXXX I changed from XXXX Bank to XXXX XXXX XXXX I went on to your system and updated my AUTO PAY information for both of my account-XXXX XXXX XXXX XXXX, and Target Red Card # XXXX to reflect the new payment account at XXXX XXXX XXXX 
On or about XX/XX/XXXX, I was advised that the auto payment on # XXXX was rejected because it was still drawn from the OLD and CLOSED XXXX XXXX Account. On or about XX/XX/XXXX, I was advised that the auto payment on account # XXXX was also rejected because it was still drawn from the OLD and CLOSED XXXX XXXX Account. XXXX also charged me late fees and returned check charge. 

On or about XX/XX/XXXX, I went online or called the customer service number, I do not recall which, and again made sure that the correct XXXX XXXX account was listed. I knew that I would be traveling over the remainder of the summer with very limited access to mail, voicemails etc. so I also went into a XXXX store on XX/XX/XXXX and made a {$100.00} cash payment on both # XXXX and # XXXX. I point out, that this was enough to cover the minimum payments for each account for XXXX months. 

Once again, and while I was traveling, another payment of {$32.00} for account # XXXX was rejected on XX/XX/XXXX, and a payment of {$30.00} for account # XXXX was rejected on XX/XX/XXXX. I was also charged late fees and a returned check charge. If any kind of notice was sent I did not receive it. In fact I will not be back at my home base in XXXX XXXXXXXX XXXX until later this month. 

Once again, on XX/XX/XXXX I was charged a late fee for account # XXXX, on XX/XX/XXXX I was also charged a late fee for account # XXXX. NO auto payment was drafted from either XXXX XXXX or XXXX XXXX. I am now questioning whether this is a systemic problem with your payment system and/or a way to generate additional income from XXXX card holders?? 

On XX/XX/XXXX I was alerted by XXXX of the credit monitoring services that no payment had been recently made for my XXXX accounts. I immediately went online and paid {$170.00} for account # XXXX, and {$100.00} for account # XXXX. I went online and checked the auto pay system and it seemed to have the correct XXXX XXXX account listed. 

On XX/XX/XXXX I received an email alert from XXXX of the credit monitoring services that my TransUnion account is now showing a 30 day late for account # XXXX. I am in the process of getting an auto loan and this is going to effect that process in a negative way. Maybe even prevent me from getting the loan. 

To add insult to injury, I called XXXX  Customer service earlier today and spoke with a supervisor. I filed a formal DISPUTE on the negative 30 day late entry. While I had him on the phone, I asked if both accounts now showed the correct AUTO pay bank as XXXX XXXX, and if everything was set. I was told that everything looked good. I note that I went online about an hour again and BOTH accounts show the auto pay as OFF ( see attached PICs ). 

I have been a XXXX card holder since XX/XX/XXXX and my account has ALWAYS been current and in good standing. Given the above, I hereby request that XXXX immediately : 1. Remove the incorrect 30 day late on all credit agencies. 
2. Credit me back for all late fees and returned check charges. 

Please let me know what we can do to resolve this matter. I can be reached via email at XXXX. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV 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