I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken