Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I financed a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. I had been a member of XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I refinanced with XXXX XXXX XXXX XXXX for a better rate. I was told by the finance M G R that I must purchase gap insurance. I was given copies of the documents they were not signed or initialed by myself. My new payments were to be {$610.00} per month. XXXX XXXX XXXX was my choice. They kept canceling and reinstate my policy from XX/XX/XXXX through XX/XX/XXXX. I would have to go into the office at XXXX XXXX XXXX XXXX and request a declaration from XXXX XXXX XXXX. The finance manager would always say that they were the most difficult to work with. The XXXX XXXX XXXX XXXX open a new office at XXXX and XXXX in XXXX Texas. The insurance company claim that my insurance lapsed XXXX times during XXXX and XXXX. During these lapses of coverage they imposed a CPI insurance. At a cost of {$4400.00} per incident. Therefore adding that to the price of the vehicle and reporting that to all three bureaus. I had been going between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX at least twice a week for a year. At one point I was speaking with someone in the financial department of XXXX XXXX XXXX XXXX named XXXX. I have left XXXX XXXX XXXX XXXX, informed them I was on my way to XXXX XXXX XXXX. XXXX had caught me on my cell phone. She and I were discussing my payment and the insurance and XXXX XXXX XXXX XXXX XXXX. Along with XXXX XXXX XXXX. She was asking about my payments or the XXXX. I told her that I was going to trade the truck and my XXXX XXXX XXXX in and get one vehicle. She responded by saying that I was going to turn them in to the credit unions. I told her again that I was not going to turn their man I was going to trade them in and get one vehicle. I went to XXXX XXXX XXXX XXXX XXXX and try to get them to audit my account as I asked XXXX XXXX XXXX XXXX to do the same day and multiple times before. I had left XXXX XXXX you in the credit union on my way back to XXXX and was out of gas. I stopped at the XXXX in XXXX Texas. I inserted my XXXX XXXX XXXX XXXX debit card into the gas pump. The gas purchase I was attempting was declined. I called XXXX XXXX XXXX XXXX to speak with XXXX. She told me that they had removed my currency from my account and deposited them into the Loan account. I responded why, she told me that I had told her that I was going to give the truck back to them. I disputed with her for 10 minutes or so, I asked her to please put the money back in my account so I can get fuel to go home. She came back and said that she had to talk with her supervisor. And tell me that they were going to put {$25.00} back into my account so that I could purchase fuel to go home. After I disconnected the phone conversation, I attempted to do such. My card was declined. I called XXXX back and she informed me that they had approved the {$25.00} allowance back into my accounts. I made it home a friend had lent me money to put gas in the vehicle my XXXX XXXX. I had hired several credit repair companies to help me with the situation. I then saw my credit report from XXXX telling me his XXXX marker, if your creditors had been reporting your actual payments your credit score may look different. I looked down and there was no data from XXXX on for my actual payments. I hired an attorney consumer protection attorney from XXXX Texas. XXXX XXXX XXXX, when I first spoke with XXXX XXXX, I was going to file a small claims court complaint. She informed me that did so she could not help me. She said that it was much bigger than that. I was being harassed by bountyhunters and people impersonating the XXXX Police Department by telling me that I was going to have arrest warrants filed. She filed a lawsuit in XX/XX/XXXX. Shortly after that I had frozen XXXX and had fraud alerts on the other two bureaus. They, XXXX XXXX XXXX XXXX access my credit reports and suddenly my home address became their 's. I started a new LLC and nab had to have a three-way call with me to verify my identity because of the address change. Fact.. I informed my attorney and she thought it was no big deal. I am now engaged with the opposing law firm and XXXX XXXX XXXX XXXX. I had hired multiple credit repair companies to help with my credit. And most impactful one of all was XXXX XXXX XXXX. XX/XX/XXXX, my vehicle a XXXX XXXX XXXXXXXX. It was repossessed by XXXX XXXX XXXX XXXX XXXX. The same time this is happening my truck Finance through XXXX XXXX XXXX XXXX. I've had multiple calls from bountyhunters. I have the recordings and have given those to my attorney. To which she says are not a violation of the fair credit reporting act.

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