Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is a complaint against the timeshare XXXX by XXXX. We spoke with their employee XXXX XXXX, XXXX OR location. He said he's also an owner and claimed that he doesn't get commission. We were told we're making a good financial investment because I can sell it & make profit, that we can actually make money from it by renting it out thus earning us rental income. They enticed us by telling us we will never have to pay maintenance fees again, that we can use our points to offset the fee. They promised things would be positively different each time things got worse. They also told us that resale value would go up which is another reason for good investment & it has some tax benefits similar to owning a second home. They had our IDs during the process. They offered gifts such as giving us 7 days to Hawaii but we never actually got it, we didn't get anything at all. We felt pressured & rushed when they said it's our last chance at the lowest price being offered and if we don't but that day, the price won't go back down. We felt we're being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant us the price being offered. I felt I was profiled because I am a minority, they also asked me qualifying questions such as if I have a credit cardit so they can open a credit card for me which I didn't want. They had me open a credit card which they never explained what for, I never received a copy of the application, and was never informed of the fees, it was never explained to us. Everything felt rushed to the point that they didn't even allowed us time to read through the contract because they were rushing me. They told me they would email me an original copy of my contract but I never received anything from them. One more problem was that I wasn't made aware of the cancellation process, they didn't even proactively educated us as to how many days to cancel which should have been part of the discussion. I have copies of things I sent them, I've sent requests to cancel for a couple of times but got rejected every time. We've been stressed out because of all the lies & fees we have to pay. We're having financial difficulties due to this timeshare concerning out home mortgage, kids tuition, which we're having trouble paying because of the timeshare. We're getting XXXX, worrisome and XXXX caused by this timeshare to the point that we're getting work stress, issues, missing work because of all the stress from this timeshare. This even have an effect to us losing a lot of sleep. I had the worst experience with this timeshare, being lied to, being pressured and had to sit there for more than 8 hours & now I have been stressed out ever since buying this timeshare. We were simply defrauded, lied to and was taken advantage of.

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