Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The information I used to explain my dispute with XXXX XXXX  was used to add a comment on my behalf which would have been fine. Except it is not worded in a way that is satisfactory. It reads a though I am at fault so let me reiterate the whole situation I leased a car from XXXX on XX/XX/XXXX the lease was ending in XX/XX/XXXX. I had my appointment set to take back the leased car and get another vehicle. The day I was to return the car was the day Covid-19 shut everything down. Lock down. Stay at home order went into effect. I spoke with the dealership and was told not to do anything until they contact me. I asked about pmts since I had already made my last pmt on the lease. I was told DO NOT make any more pmts. Everything will be ok and would take care of everything when it was ok to go in and trade vehicles So I waited. Even called them back after a few weeks was told to wait until appointment was rescheduled. I went out to go to the store XXXX evening and my car was gone. I called the police thats how I found out my car was repossessed. No warning no nothing. XXXX XXXX  had it repossessed on a Friday night holiday weekend XX/XX/XXXX. After a 3 day wait to speak to someone at XXXX XXXX. I got nothing but hold on the line. Transferred and transferred every time I got transferred I called them probably over a XXXX times in a weeks time demanded a supervisor. Never got the call back until after the fact. 3 months later. Long story short I went to the dealership with the amount I got from XXXX XXXX  to buyout the leased car. Which was double the original amount. It was over {$12000.00} I had cash in hand and XXXX XXXX  on the phone and manager of XXXX dealership in front of me. And they didnt know how to process taking a pmt. XXXX said dealer handles it and they said finance handles it. Neither one could take a pmt to finalize the deal no matter what source of pmt option I offered. How could I pay anything if they couldnt except a pmt from me. They didnt know how to process it. Never figured it out. So I bought a car elsewhere. Then they decide to hit my credit report every other month since this nonsense. And keep adding fees etc. lastly the management phone call I received back after 3 months when I gave up on their nonsense she was extremely rude and said to me we were never gon na sell that car to you and hung up. So I refuse to give them another XXXX of my money I only would have owed XXXX more monthly pmts. Which would have been under {$400.00}. The entire balance on the car was {$7900.00} just want this off my credit report. Dont understand how they can hit my credit report every other month for the same thing and I cant dispute it or fight it anymore. XXXX as my witness I swear I am telling the truth. Just wondering how many others?? If not removed I want the statement to reflect that I couldnt have paid them because they were not able to take my money, ck etc. they didnt know how. I tried and tried and gave up

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