Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a XXXXXXXX XXXX veteran and upstanding citizen. My wife and I wanted to bring about positive change to our environment. Set a good example for our children. We wanted to be a part of change and ensure economically we would see some benefit down the road. We purchased an electric vehicle that has now been lemon-ed and purchased solar panels whom we believed to be a reputable company due to their relationship with many large organizations like XXXX. 

XXXX  formerly XXXX XXXX  was the lender for XXXX XXXX formerly XXXX XXXX XXXX. 
This lender is a predatory lender by definition, as they were continuing to provide loans and funding for services that were under investigation by a company that was being reported to them consistently. They continued to lend at higher rates than the market average and continued to allow XXXX XXXX staff to manipulate data to push these loans through. They performed no safety or secondary accountability measures that would be expected for a loan of this size. 

When the Attorney General of XXXX  stated for consumers to stop paying, they then reported our account to our credit agencies even after disputing the account, my excellent credit history has now been significantly damaged. 
I am now ineligible for certain career options I was attempting to inquire on. 

My system is still not functioning as detailed when contracted. Our system is considered a fire hazard as it was built inside the home without the required fire wall and equipment necessary to ensure the home is protected from damage. 
There is damage to our roof. The batteries are no longer producing as expected. 
XXXX XXXX XXXX XXXX has declared bankruptcy, therefore their warranty is now non-existent, which per the contract is supposed to go to XXXX, and yet they are continuing to state they are not responsible for getting our home safe and will not settle the debt with us, so we can use our own funds to ensure our home and family 's safety. 

Meanwhile, XXXX has a role in this as well, as their equipment is faulty and they have done very little in ensuring this is addressed appropriately. 

We are stuck with a loan for equipment that is not safe, has brought damage to our home, and has not saved us any money on our energy consumption or costs. 

It was only after stopping payments as advised by XXXX Attorney General, that they finally sent someone out to look at our system. However, we then agreed to pay in hopes of getting our system fixed or a settlement as even XXXX whom they sent out already stated it was not up to fire code, and could not fix the issue we were having.

They still submitted notice of non-payment even after we paid to the 3 credit bureaus.

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 non-monetary relief