Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, of full age, certifies and says:        	1.     	I am the FORMER co-signer in the within matter. As such, I am fully familiar with the matter herein to make within the complaint department in support of the individual’s request to enter a formal complaint through The Consumer Financial Protection Bureau against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX (XXXX) XXXX and TransUnion.         	2.     	On or aroundXX/XX/XXXX through XX/XX/XXXX I had received an email notification through XXXX XXXX, Trans Union and XXXX that the account for a XXXX XXXX was CLOSED. (account number XXXX where XXXX XXXX  (XXXX) XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, was the primary and I was the co-signer)3.      	This said account was reported as CLOSED removed from my credit score as stating that it was paid off in full and that there was a $XXXX balance.  4.     	Following the aforesaid, another email was sent stating that the account was finalized on XX/XX/XXXX. This information was also confirmed with a XXXX   customer service rep.         	5.     	Without my knowledge or any paperwork from XXXX XXXX, the account was reopened stating that there was a $XXXX balance and is showing up as a “car loan” on my Trans Union credit score only, thus dropping my score 8 points stating that it was a missed payment. My information was reused and submitted by XXXX XXXX XXXX in XXXX XXXX. NJ and XXXX XXXX without my consent and the loan was reopened on or around XX/XX/XXXX now saying, “payment pending”.          	6.     	On or around XX/XX/XXXX, I had called XXXX XXXX and spoke to a customer service rep named XXXX, who proceeded to tell me that what happened was “none of my business and that there was a balance on the old loan.”       	7.    Following the aforesaid, I asked how XXXX XXXX was allowed to terminate the lease early without my knowledge and drive off of the dealership lot with a new car without having paid this said balance of $XXXX for two months or negotiating it into the cost of her new loan, but to no avail.8.        In furtherance of the above, it is quite obvious that XXXX XXXX made some kind of “deal” in order to obtain and lease or refinance a vehicle, again without my knowledge.	9.     	As such, on or around XX/XX/XXXX I contacted XXXX XXXX where she clearly said that it was for over mileage and nothing more. 	10.   	Thereafter, I was told by XXXX, the XXXX customer service rep, that the car was already sold at auction but they got less than the asking price, so that balance of $XXXX must be paid.11.   	In furtherance of the above, I had told XXXX that I knew nothing about this, but he went straight to making a threat about my responsibility for paying this said balance in full or I would be put into collections and any missed payments would show on my credit report.12.   	Moreover, I continued to ask who is going into collections , why I was NEVER notified of any of these dealings and why I have not received a single document about the termination of the loan or how I am responsible for this balance owed, again to no avail.         	13.   	 In furtherance of the above, I was told that I don’t have any right to know anything, but I am being threatened with collections and now this balance has reappeared on my Trans Union credit statement as a “car loan” after it had been officially CLOSED on XX/XX/XXXX.	14.   On or aroundXX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Agency letting them know that the loan was closed, removed from my credit reports, then re-opened using my personal information without my knowledge, without my consent and mostly without any written documentation.15.   	Moreover, I filed a dispute with TransUnion who is claiming that the account is closed, but it is still showing up on my credit report.	 16.   	Moreover, XXXX XXXX and their authorized dealership worked out a deal with XXXX XXXX about the vehicle but made a mistake by misjudging what it would sell for at auction.         	17.   	I asked that XXXX XXXX send me this paperwork about the closed account and why it was re-opened, but to no avail.         	18.   	I again filed a dispute with Trans Union to have this balance removed from my credit report, but to no avail as it is still showing up on my credit report.19. XXXX XXXX has a habit of refusing to notify people of any type of changes to their accounts for months or not at all, but expects full responsibility for payments in full and will resort to threats or extortion of funds and claims that they are “unaware” of anything.         	20.   	I have suffered significant anxiety, emotional strain and a major hit to my credit score as a result of the mentioned parties aforesaid actions.         	21.   	 The mentioned party will make an attempt to strong-arm me for payment instead, put me in collections or put a missed payment on my credit report as a sick, twisted way to manipulate me.        	22.   	I attempted to contact all mentioned parties to inform me or help my settle this issue, but to my detriment I have been significantly harmed as a result of same. 	23. XXXX XXXX responded to my original complaint to CFPB but completely avoided the issue at hand and simply regurgitated information from the XXXX   lease, thus never answering as to how closing and account, removing it from my credit statement, then putting it back as they see fit , claiming to have no knowledge of what’s going on.24.    	As such and as a result of the above, I want the XXXX XXXX  account removed completely from all of my credit reports effective immediately. Thus I am seeking to file a complaint against all parties for lack of performance in handling this matter to which they are liable and for threatening collections or a financial lien against me, as this situation was completely out of my control and negotiations were made without my knowledge or consent.24. XXXX XXXX and their authorized dealerships should be fined for fraudulently reusing my information without my consent to re-open an account that was already closed and removed from my credit history. 25. In furtherance of the above, XXXX XXXX is making it seem as if I am the only person on the loan, as only my information is showing up on the bill for payment.  I certify that the foregoing statements made by me are true.  I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment.                                                                                   XXXX XXXX XXXX   ALL DOCUMENTS ARE ATTACHED

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