Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
3 years and 7 months of payments were made in the amount of XXXX not including partial payments due to financial hardship during covid-19. This information was not reported to the three credit bureaus accurately however partial information was reported to XXXX indicating that I only had 7 late payments during this loan-period. 

XXXX XXXX refuses to give me accurate information on payment history ( payments made/actual payment amounts made ), information on the amount the auto was Sold for at Auction and accurate information on the balance due or remainder Ballance owed . 

The actual amount of payments and actual payment amount made during this loan period before the vehicles sold at auction and the amount the vehicle was sold for at auction, is very important for me to know because this information will allow me to determine where I stand with this company financially. 

XXXX XXXX gave me inaccurate and partial information on a loan taken out on XX/XX/2020 for {$7600.00} and is reporting to all three credit bureaus that I owe around {$6.00}, XXXX on a loan that is 3 years and 7 months old. This is bizarre! 

Their record holding ability is poor and their accountability and verification methods are absent. 

With only seven late payments reflecting on XXXX credit report ; Owing a similar amount to the amount that I borrowed 3 years and seven months later is impossible! 

The information XXXX is reporting is shameful, dishonest, alarming and obviously inaccurate yet they refuse to take responsibility for the fact that the car was sold at auction and that I met more than half of my financial obligations with them and being that the car was sold at auction it reduced the remaining balance. 

Because of this, I do not owe XXXX XXXX any money or if I do owe them money it is definitely substantially lower than the amount of money that they are stating I owe to all three credit bureaus. 

XXXX XXXX is trying to collect funds from me Twice instead of telling the truth and presenting verification and validation of how much that the vehicle was sold for at Auction and any other pertinent information that would provide evidence that my balance on this loan is substantially lower than what they're reporting to the credit bureaus. 

The amount the vehicle was sold for at auction is unknown but would have definitely brought down my remaining balance on the car loan naturally! 

Please Note : XXXX XXXX is reporting false information to the 3 credit bureaus in an attempt to damage my credit score, intentionally trying to make me look as if I am delinquent on payments and a high risk borrower. 
This is unethical when they're refusing to do their part to help me establish how much I paid and how much I owe on the loan by refusing to verifying any and all pertinent information in regards to my auto loan! 

*XXXX XXXX practices are unethical they should be under reviewed and monitored closely! 

XXXX XXXX refuses to give me all pertinent information on my loan via mail or any other method. Therefore I am unable to validate and communicate accurately with all three credit bureaus and dispute the false information being presented by XXXX XXXX. 

Information such as the amount the vehicle was sold for at auction, actual remaining balance on the vehicle, satisfactory payment history, actual payment amount is crucial in communicating the amount I actually owe to the three credit bureaus to effectively dispute the information XXXX XXXX is providing. 


XXXX XXXX is intentionally withholding information from me through manipulative and unethical skillful tactics to prevent me from being able to help myself to the best of my ability or capability. 

They are discriminatory company if I could not read or write adequately I would be at a disadvantage and or if I was a foreign speaking person and was not versed in the English language. 

They are a company based off of victimizing people they think are incapable of helping themselves ( predatorial ). This is suggested by their ; Excruciating High interest rates and High down payments pretending as if they're helping people with low credit scores or credit scores that have not been established yet. 

I Did not realize this until they refuse to give me all pertinent information on my car loan purposefully! 


Thank you very kindly for your time and your help in this matter!

Company response to consumer: In progress