TransUnion Intermediate Holdings, Inc. Credit Reporting Complaint

TransUnion Intermediate Holdings, Inc. Credit reporting department,

Incorrect information on credit report Account status Indiana

In -, without notice, - - - force closed - of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a $25.00 balance on one of them. Fast forward today, I noticed a derogatory mark on my TransUnion report. I called into - - - today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in -, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay $25.00 each month until the balance reached -. After running my second to last payment in -, they closed the account with $25.00 remaining


- - - offered to submit a form to expunge this record from my Transunion report, but stated that because it was in collections, I could not pay off the $25.00 to - but instead needed to go through Transunion to find the collection agency and pay off the balance there. I called Transunion to file a dispute of the record and find the collection agency responsible for the $25.00 debt. Transunion claimed that the balance was not in collections. Lo and behold, - - - also failed to notify me that they reported the " delinquency '' to - as well. Now I am not sure if they reported it to - or any other agencies. After spending an hour with - to dispute the mark, I found it ridiculous that I had to clean up - mess. This should be - responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. I am in the process of purchasing a house and - - - is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set - - - straight.