Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute a recent late payment report on my XXXX Installment Plan, which I believe is erroneous and may be retaliatory following my request to cancel and pay off my account. 

On XX/XX/year>, I initiated a request to cancel my XXXX XXXX XXXX and pay off my remaining balance. On the same day, XXXX XXXX, specifically XXXX, confirmed via email that if I authorized them to charge my card for the remaining balance of {$200.00}, my " outstanding balance [ would be brought ] to XXXX and [ the account would ] close as paid in full ''. The email also stated that after this final payment, XXXX would " no longer report [ my ] monthly payment performance to the credit bureaus ''. I then confirmed my understanding and selected to " Close my account as paid in full ''. 


Despite this agreement to close my account as paid in full, I received an email on XX/XX/year>, titled " Your payment is past due! ". This email claimed my account was " {$20.00} past due '' due to a declined auto-payment. It also warned that not catching up on the payment could result in a " negative impact to my credit ''. 


I dispute any late payment reporting for the following reasons : Prior Agreement to Close Account as Paid in Full : My intention to pay off and close the account was clearly communicated and acknowledged by XXXX on XX/XX/year>. The subsequent " past due '' notification on XX/XX/year>, seems to contradict the understanding that the account was in the process of being settled and closed in full. 


Timing of Reported Late Payment : The past due notice was received after I had already initiated and confirmed my request to fully pay off and close my account. It appears a " late payment '' is being reported during a period when the account was in the process of being definitively closed as paid in full. 



Potential Retaliation : A " past due '' notification with a potential negative credit impact was issued shortly after my decision to cancel and pay off my account. This raises questions about whether this reporting is a retaliatory measure for my cancellation. 


I will not be paying a bill that I do not owe, as the XXXX plan is not a loan or savings account, and no funds are provided at the start or end of a plan. I don't owe the balance because I never had access to funds. The XXXX XXXX XXXX is a credit builder that helps report positive payment history to credit bureaus. I don't owe the balance or the monthly payment amount because I canceled my subscription. 


Therefore, under my rights granted by the Fair Debt Collection Practices Act, 15 U.S.C 1692c, I request that you cease all forms of communication with me and cease reporting to all credit bureaus. I also request that you delete my account and confirm in writing that my account has been closed as " paid in full '' and that no further negative reporting related to this dispute will occur. 

I request that XXXX : Immediately investigate this matter. 

Cease and reverse any negative credit reporting associated with a " late payment '' that occurred on or after XX/XX/year>. 

Confirm in writing that my account has been closed as " paid in full '' and that no further negative reporting related to this dispute will occur. 

Please provide a written response within 60 days detailing the steps taken to resolve this dispute.

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