Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from XXXX XXXX to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.

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 explanation