Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  XXXX XXXX  is falsifying information on my credit report reporting false information. Theyve never sent me a bill Ive never used their card theres XXXX activity on my account history. I canceled the card for days after they sent it to me the car is never been used the only thing on the card or fees that werent supposed to be. They agreed to remove the fee I never did it Ive called several times and its still there and now its adding up other fees they charging interest on a membership the purchase interest as if I made a purchase which I did not they failed to ever send me a statement Ive never set up an account with them! They reported a debt oh my credit report one day after they sent a card without ever contacting me or sending me a statement or a bill and giving me the option to Be able to do anything I found out about it through my credit report they did three hard inquiries on random days after the card was already issued not including the initial inquiry they told me to bad! They hang up on you and ignore you theres over XXXX pages of people or just one side alone with the same problem the fees have gotten up to its in collections now its only been a month and a half its only when you had one billing cycle they sent it to collections before the billing statement even began the card was issued on XXXX XX/XX/2021 and was reported as a debt owed with late fees in other fees before having ever even sent me a statement or before having ever completed the first billing cycle then into a month later yet now its in collections I told him to cancel the card several times now theyve put derogatory comments on my credit put an account in collections on my credit and never yet once called me or never get one sent me a email never know if you want to send me a bill never not once at me a statement never not wanted me anything and Ive called and asked about it and they do nothing ignore you they do it to Prevent you from getting credit from someone else if its not them! They breached the contract from the door in the beginning by what they advertised end what they sent the numbers dont even add up they agreed to remove the fee for the membership for the year and its still there and thats where all the fees are coming from because of a fee that they didnt remove theres no the transactions on the account but the fees that they added because they didnt remove the fee from the beginning like they said they were supposed to do and they say that they did but how could that be when theres no other transactions on the account theres no minimum payment when theres No activity on the account no transactions no purchase nothing XXXX balance when you call the automated system they charge these outrageous fee fir nothing They try to collect a minimum payment when theres no balance was XXXX balance Im not the only person there are like I said over 400 complaint on one website for this specific issue! Theyre deliberately doing this on purpose making their own rules up and could care less about the federal laws in the credit bureau because I got 100 % on time payments on everything in my credit! None of this did I ever authorize them to do and with the account in collections all the sent a brand new account it has never had one statement yet get there now going on {$200.00} in fees for a fee that was supposed to be waived or the card canceled how can the card account be active steel if theyve already written it off how can it still be open to collect fees and they charge interest on their fees purchase interest

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