Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX my apartment management company began sending correspondence regarding this great new program through XXXX XXXX The program allows you to pay half your rent on the first and the other half on the XXXXXXXX XXXX  actually pays the entire rent to property management company on XXXX and tenant repays XXXX the rest on the XXXX. Sounds like a good deal right? It was for about 8 months. Then I receive a text message stating XXXX rent is higher than normal should they pay higher amount and I immediately responded YES. Thought that was the end. On XX/XX/XXXX my building management sends me a failure to pay rent letter over {$6.00}. I was furious. I immediately paid what was owed. I also reached out to XXXX but no response. So I paid my rent directly to rental office in XX/XX/XXXX. On XXXX XXXX I receive a letter that my XXXX account has been suspended for non payment. They almost caused me to get evicted in XXXX when they paid the wrong amount of rent and in XXXX I paid my rent directly to my apartment so since my rent was paid but since I didnt go through XXXX  they didnt make any money. I have attempted to unsuspend my acct since XXXX with XXXXXXXX  and now I am being told my credit score is too low. How would they know except for fraudulently running my credit report and My credit score is actually way higher than a year ago so this makes no sense. Then in XXXX XXXX reports to Transunion that my account is suspended. My credit score dropped XXXX points. I feel this was retaliation and dishonest. Each month since they send my monthly statement but I thought my account was suspended. I have asked them to cease and desist sending me monthly statements and they wont listen. My credit score was much lower when first applying to XXXX  I can also prove I had 9 On-time payments before XXXX suspended my account. 
Throughout my interactions with XXXX XXXX, I encountered a lack of transparency in their communication and processes. Essential information regarding terms, fees, and potential impacts on my financial obligations was not adequately disclosed, leading to confusion and It has come to my attention that XXXX XXXX may have taken unauthorized actions, including reassessing my creditworthiness without a valid reason and subsequently denying my credit application. Such actions have a direct impact on my financial well-being and may be in violation of regulatory requirements. 
Based on my experience and interactions with XXXX XXXXXXXX, I have concerns about their adherence to fair lending practices, consumer protection regulations, and ethical standards. These concerns have raised doubts about their commitment to providing transparent and responsible financial services. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of XXXX XXXX based on the details provided above. If it is determined that their actions have violated consumer protection regulations or ethical standards, I urge the Bureau to take appropriate actions to rectify the situation and ensure that consumers are protected from potentially harmful practices.

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