Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The telecom company XXXX could not provide services agreed by contract ( and could not fix them ) on for 22 months and on top of it, made errors in billing that their financial division was unable to correct. So far, we have spent about XXXX hours trying to get fixed by them and trying to get help to make them do it. We have been customers of XXXX for XXXX years. The triggering point of these problems was when we moved to a nearby unit starting ( XX/XX/XXXX ). 

We worked with all levels of their company including simplest customer service phone number, technical teams, multiple people from the facade they call Office of the President ( OTP ) ( starting XX/XX/XXXX ) and even to one of their CEOs at the end before we decided we are not going to go through this anymore. We went through constant harassment of many kinds including disruption of service and finally ( force ) terminated service on XX/XX/XXXX as we refused to pay what XXXX claimed as we owe them. 
They will send email saying they are going to disrupt service with opportunity to send if we dispute any charge they claim as owed to some address ( probably their internal collection service address in Florida ) and that they will respond by getting verification, they did not respond a single of the XXXX times we wrote. They reported our account as collection in XX/XX/XXXX affecting my credit significantly. 

XXXX did not send any notice or opportunity to dispute prior to sending it to collection and reporting to credit bureaus in XXXX, XXXX, and we came to know of it through email from the credit reporting agencies. When we tried to handle ( remove the notation, because that is an incorrect information ) directly through the credit reporting agencies ( TransUnion and XXXX ) XXXX these agencies respond that XXXX says we owe them and not correct and not remove it. 

Subsequently well after the 30 days typically CFPB stipulates by when the consumer has to be informed, another company XXXX sent a notice of collection dated XX/XX/XXXX on behalf of XXXX that we received on XX/XX/XXXX and had a date of XX/XX/XXXX to file a dispute with XXXX. I called XXXX on XX/XX/XXXX ( as their online system once we did not pick the few options available and picked other did not let us submit and gave a message to call ) and provided the facts, they summarized the facts and said that given the facts that throughout we have been experiencing poor and often unusable services we should not be owing any balance though I did mention lot more of the errors and problems we faced ). Further, during that call I also found that XXXX is an arm of XXXX as they answered and mentioned several times, including thanking at the end to call and give them the facts, as XXXX XXXX 

I talked to one of CFPB team members and they suggested that I should name the financial companies in this complaint. 
More details in enclosures.

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