TransUnion Credit Reporting Complaint

TransUnion Credit reporting department,

Credit reporting company's investigation Inadequate help over the phone New York

-/-/- I disputed a concern with all three credit bureaus. The dispute is with - - - - - - -, MO -. I received my credit reports from all - agencies and was flabbergasted to see five late payments to - -. The original credit card company was - who went out of business and sold my account to - - Bank on -/-/-. The - - Bank also went out of business on -/-/-. My account was now taken over by - - in -/-/-. In all this time I was making monthly payments and never late on them as I am never late with any payments with any company. When I received a letter from - - with a new credit card I was informed that my APR was going to be increased 12 % higher than it was originally from both the other companies. I called - - and voiced my concern about the overwhelming increase in the APR. The representative informed me there was nothing I could do about it I had to just pay the bill off with the new APR increase. I explained to the representative that I was a single mother on


to another customer service representative from the company 's hardship program. I spoke to the representative at that time who informed me that I would qualify for their hardship program. She explained to me that their company would lower my APR and I could make lower monthly payments until the bill was paid off in full. There was no paperwork explaining how this program worked as stated by the representative it was just a verbal agreement. I agreed to this payment plan -/-/-. I did not receive a letter from - - until 5 months later with my new payment plan which was now -/-/-. I started paying off my balance every month faithfully as noted on my credit report. I have never had a late payment on my credit report since I first started getting credit with this company. When I received my yearly credit report from all - agencies I was flabbergasted when I saw that - put me into collections and reported to the agencies 5 months of late payments. I immediately called - - and spoke to another representative about this situation. This representative told me that I should have made monthly payments until the hardship program started. I explained to her I was never told to do that when I spoke to the representative from the hardship program. If I would have been informed of that I would have made payments each month as I always do. I asked to speak to a supervisor immediately. I spoke to a supervisor named - - -. I explained my situation and - - apologized for the misinformation his employees did not make me aware of. It took 5 months to be put into their hardship program, and in the interim I was put into collections with 5 months of late payments. - - asked me to put this information in writing as I did. I received a letter a few months later from - - who informed me there was nothing he could do about my situation. I sent letters to all of the credit bureaus and both - and - immediately removed these negatives from my report. Trans Union is the only credit agency who refuses to remove the negatives. I am asking for help in having these negatives removed from Trans Union as I do not feel I should be penalized for the incompetence of - practices, policies and employees misinformation.