Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Hello My name is XXXX XXXX ( XXXX last XXXX digits : XXXX ). During my stay in the United States, I lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Before returning to XXXX, I paid all my financial obligations in full and closed all my accounts. My final purchase in the XXXX was at XXXX for USD XXXX. This balance was paid on time and in full by my son, XXXX XXXX XXXX, through his personal XXXX bank account. The payment receipt clearly confirms that the payment was made by the due date. Despite the balance being fully paid, TransUnion continues to report this amount as an unpaid balance. Because of this inaccurate reporting, my credit score has continued to decrease, causing serious harm to my credit history. Since I am currently in XXXX, I can not complete XXXX phone or address verification and therefore have no access to TransUnions online dispute system. It is also not possible for me to reach TransUnion or XXXX XXXX  by phone from XXXX. This situation is causing significant distress, especially because I may return to the XXXX XXXX in the future and an artificially lowered credit score may create major difficulties. A balance that was fully and timely paid should not be reported as unpaid. I respectfully request that this reporting error be investigated and corrected immediately, that the XXXX account be updated to paid, and that all negative effects on my credit score caused by this incorrect reporting be fully removed. All supporting documents are attached Your RESPOND ; Company 's Response In order to address your concerns, you will need to contact TransUnion directly. TransUnion maintains credit reports on individuals who have existing credit histories of XXXX origin. Any credit established outside of the XXXX will not be reported to TransUnion. To process your request and protect the confidentiality of your credit report, please send us verification of your identity and foreign mailing address. Acceptable forms of identification include copies of two of the qualifying documents : current drivers license, state ID Card, Copy of U.S. Passport, U.S. Social Security card, Utility Bills, Bank or Credit Union Statement, letter from the Social Security administration, XXXX or XXXX card, XXXX XXXX, bank or credit union statement. 





Dear TransUnion Consumer Relations Team, I am writing in response to your request for identity and address verification in order to proceed with my dispute regarding inaccurate credit reporting.

To facilitate the verification process and protect the confidentiality of my credit file, I am providing the requested documentation as follows : Copy of my XXXX  Drivers License My Social Security Number, provided securely as requested Supporting documentation evidencing payment of the XXXX account previously reported as outstanding Contact email for correspondence : XXXX The account in question, reported by XXXX, reflects a balance that was paid in full. Despite timely payment, the account has been erroneously reported as unpaid or duplicated, which has negatively impacted my credit score. This reporting is inaccurate and does not reflect my true credit history. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that TransUnion investigate this matter and correct or remove the inaccurate information from my credit report. 

Please confirm receipt of my verification documents and advise once the dispute investigation has been initiated. Should additional information be required, I may be contacted via the email address above. 

Thank you for your attention to this matter. I look forward to your confirmation and timely resolution. 

Sincerely, XXXX XXXX

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