Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This notice will serve as written notice of your FDCPA violations for False and Misleading representation ( Section 807, FDCPA ) ( 9 ) ( 10 ) To : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX  On or around the date of XX/XX/XXXX the manager of XXXX XXXX   known to me as XXXX had my vehicle removed from a local impound before I could get to the impound to pay the amount owed. At that time in the month of XX/XX/XXXX my vehicle was current. XXXX XXXX had no lawful reason to remove my vehicle and place my account on a hold status. My contract said nothing about my lien holder having the legal capability to do such a thing. During this hold any payment I called and attempted to make fell onto deaf ears, I was constantly denied the ability to make payments. Every time I called XXXX XXXX  and attempted to pay the manager XXXX  was more interested in my reason for the vehicle being towed and not the payment for my vehicle, XXXX  continued to tell me that another department was handling this matter and he would get back to me if I could even pay which created a false representation of the legal status ( FDCPA SECTION 807 ) be it during the month of XX/XX/XXXX my payment wasnt even 30 days late during these conversations.

On the morning of XX/XX/XXXX after several calls to XXXX XXXX in attempt to pay on my vehicle that was unlawfully obtained by XXXX XXXX, my calls to pay still went unheard. I get a notification the same day from XXXX XXXX and XXXX XXXX   updated my credit report with a repossession, causing major damage to my credit score and my co signer XXXX XXXX. XXXX XXXX issued a letter on XX/XX/XXXXwhich is misleading and false ( FDCPA SECTION 807 ) because my vehicle was held XXXX   by my lien holder and I couldnt pay. I was not in a default status anytime XX/XX/XXXX to create a repossession environment. You are also in violation of FDCPA section 807 subsection ( 9 ) ( 10 ), when you failed to communicate any default even after a XXXX payment in XX/XX/XXXX, and during that payment I was told that was the amount to bring my account current, with no payment being owed until XX/XX/XXXX.

Your letter XX/XX/XXXX is a repossession letter on a current account placing you in violation of FDCPA section 807 subsection ( 11 ), your letter was not a formal pleading made in connection with a legal action.

I am seeking relief from my credit, and I pray the Consumer Finance Protection Bureau can find that due to the unlawful environment created by XXXX XXXX  my credit will be adjusted accordingly. Since I cant get back a vehicle that was sold by XXXX XXXX I am seeking alternate compensation for the damages to my credit report in the amount of said vehicle, ( XXXX XXXX XXXX XXXX ) before it was sold at auction. Thank you and Travel Light.

Bro. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

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