Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account was previously disputed with the help of the CFPB author credit for instructed to remove XXXX XXXX charges not reporting payments increasing interest rates fraudulent charges closing account and continuing to add monthly rates reporting every week in an attempt to constantly drop my score they reported no payments since the creation of the account this was previously investigated all three periods were instructed to remove it when I appeal after the investigation favored me I have multiple unauthorized charges and they were not reporting the payments that I had made they also closed the account without calls or purpose without verification of validation and did not report payments made while increasing the monthly rate without warning this account was removed from the credit bureaus on XX/XX/year> when I filed an appeal is approved our XXXX XXXX XXXX XXXX  XXXX as record of this original decision from the appeal filed with the CFPB and the protection agency On this account was not reporting from XXXX until XXXX the XXXX XXXX closed the account and reported it to the credit bureaus again after being removed and the credit bureaus allowed them to do it despite the appeal favoring me to close and remove XXXX XXXXXXXX which is why it was not reporting through all of those months they were not allowed to however when attempted to a close the account they reported that it was over the limit and that payments had not been made ever and despite the unauthorized charges and filing a dispute that this XXXX XXXXXXXX account had already been removed from the credit bureaus and the credit bureau XXXX TransUnion and XXXX all have record of the appeal filed with the CFPB and the outcome yet they allowed XXXX XXXXXXXX to report this account as delinquent over the limit and closed after XXXX XXXX of not allowing them because I won the appeal for the dispute that I filed with my complaint against the credit bureaus decision to deny my dispute with evidence shown I brought that evidence here in XXXX and to the consumer protection agency when I filed my complaint on XX/XX/XXXX and XXXX  XXXX was removed from the account on XXXXXXXX XXXX XXXXXXXX this record is indicated at all three credit bureaus yet that was ignored even during my appeal to which I've lost leaving me no choice but to seek him outside agency to investigate the matter involving the unauthorized charges that they were originally removed for and that original decision that won my appeal post investigation of experiand decision to deny my dispute despite the unauthorized charges reporting a close account without validation of verification not reporting payments made allowing the account to go over the balance limit closing the account and then still adding monthly fees increasing the monthly fees more than what was originally agreed to account takeover by XXXX XXXX occurred and unauthorized charges occurred thus the fraud report that is on all three credit bureaus I would like someone to investigate this matter and rule is previously ruled to remove XXXX XXXXXXXX for the reporting bureaus stop the continuous attack which has no basis or merit and is constantly dropping my score but then XXXX XXXX I went from XXXX perfect score to a bad XXXX And that is due to XXXX XXXXXXXX 's repetitive attack on my XXXXredit score and doing so with falsified information fraudulent charges and fees I'm not reporting payments made while increasing monthly fees even after closing the account unjustly

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