Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX and/or XXXX XXXX and TransUnion refuse to correct my credit report after XXXX negligently or willfully submitted derogatory information to my Credit Report in TransUnion. XXXX Customer Services occasionally blames XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) for the wrong information. However, it was XXXX the creditor and who referred the collection to XXXX unnecessarily because I was waiting for a final invoice and debt balance that XXXX never sent. They did not called or contacted me by mail even though they had all my information on file. The proof is that XXXX provided all my exact information to XXXX. Following are the timeline and details : I had a cell phone pre-paid agreement with XXXX  for 7 months. Account ( # XXXX ) was on auto-pay. Since I had no signal almost anywhere and XXXX could not solve the problem after many calls to Customer Service I cancelled the account on XX/XX/XXXX and transferred my number to other company. On XX/XX/XXXX I called XXXX Customer Services to pay a balance due for the phone I got with the account since the service had not reached 24 months as imposed by XXXX. I was told that I was not able to pay at that time and that XXXX would send me a final invoice by mail. I was never informed of the exact quantity I owed. I waited for the invoice and it was never sent. I was not contacted via mail, phone, or email regardless that XXXX has all my information. On XX/XX/XXXX I received a call from XXXX collecting {$180.00} for XXXX. I was furious for that unethical and unnecessary move from XXXX. In less than one ( 1 ) hour I paid the {$180.00} in a nearby XXXX XXXX. Up to that date my credit was good or excellent in all 3 Credit Bureaus. I verify my XXXX XXXX almost every day. On XX/XX/XXXX I saw on my XXXX XXXX that my credit score was ruined in XXXX and TransUnion. XXXX informed that I had an outstanding balance of {$180.00}. This was one ( 1 ) week after I paid the balance that I wanted to pay since XXXX XXXX. Such balance was never invoice or informed to me in any way. There was no need to refer to a collection agency. Only explanation is the continuous negligence of XXXX as I will show here. On XX/XX/XXXX I sent a certified letter to XXXX Executive Customer Relations in XXXX XXXX, Puerto Rico ( XXXX XXXX XXXX ; XXXX XXXX, PR XXXX ). In such letter I explained all of the above and requested that XXXX deleted or retired the account and damaging information from all Credit Bureaus. Note that such pre-paid and auto-pay account was never informed in good standing to the Credit Bureaus in the 7 months. That XX/XX/XXXX letter was available in the Post Office on XX/XX/XXXX. It was received by XXXX on XX/XX/XXXX. In the first days of XXXX, XXXX I saw in my XXXX XXXX that XXXX effectively deleted the account and derogatory information from XXXX. However they did not delete the account or derogatory information from TransUnion. Note that creditors in Puerto Rico use mostly TransUnion, not XXXX   or XXXX. Therefore, I am not able to obtain credit, or they would give me credit at impossible interest rates. I kept calling XXXX Customer Services and I could not find consistent or reliable information, just excuses and lies. I filed a dispute with TransUnion on XX/XX/XXXX. Results of their investigation, as per their latter dated XX/XX/XXXX, confirmed that last XXXX update of the credit information was on XX/XX/XXXX. XXXX did not deleted the account in TransUnion as I requested, and the derogatory remark stays in my credit report affecting my credit. I made many many calls to XXXX Customer Service. They refused to put me in contact with any person with authority that could help me, they refused to provide any phone number for XXXX Executive Customer Relations in XXXX XXXX. Then, on XX/XX/XXXX I sent a second letter to XXXX Executive Customer Relations in XXXX XXXX to the same, previous address. The letter was available for pickup in the Post Office on XX/XX/XXXX. XXXX never picked up the letter, a total lack of respect and a despicable act of a National Corporation representatives. It was not because COVID-19 since that emergency was about a month later. On XX/XX/XXXX the USPS initiated the return of the letter to me and I received the returned letter in XXXX. 
I provide evidence of the above. Note that letters are in XXXX since those were directed to XXXX XXXX, Puerto Rico. I can provide translation and answers to any questions on my behalf.

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 explanation