Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been trying to refinance my vehicle, trade it in etc you name it I have tried it! Every time I tried my request to do so was denied. No one ever told me why I couldnt refinance or trade my vehicle in which is a XXXX XXXX that I have had since XXXX of XXXX. The loan is thru XXXX XXXX XXXX. I went to this one car-lot that actually wanted to help and sell me a car on XXXX XXXX, XXXX. I was informed that my car was not on my credit report to my surprise. Me and the finance manager of the car-lot viewed my credit report together to make sure it wasnt there. I was informed to get something from XXXX XXXX XXXX stating that I was in good standing and my payment history. At this point I just have a car that Im making payments on with no proof. Immediately, I contacted them but they were closed so the next day I contacted them and got a representative that informed me that my information got deleted due to an glitch upgrade on the system along with other customers. Not my problem! He kept apologizing and informed me that they wouldnt know if my information wasnt reporting unless we as customers call and tell them. Not true! They know if I miss a payment! I asked when the information would be reported to the credit bureau and he told me they could send the information to them but its up to them how long it takes to update. I proceeded to ask for the information I was told to retrieve, but they couldnt send it via email and I was trying to get this done immediately! Apologies from the representative again but they can mail it to me. Not only was he inconsiderate of the fact that it was a mistake on there end up but went so forth to ask me for a payment! Rude! He transferred me back to another representative who told me she was mailing the information instead. It would take 7-10 business days which I received the XXXX of XX/XX/XXXX. This wasnt satisfying enough so I called back. I got another representative this one rude. She hung up on me! I called back again this time requesting to speak with a supervisor. She told me one wasnt available but the last representative that hung up on me told me she had to consult with a supervisor before she could speak with an attorney. I got another representative who went above and beyond and sent an email with the information I requested but the file was encrypted and I could not open it. Amazing how they couldnt send this information via email before but now they can. I called back to get another representative explaining that she could send a correspondence letter to the online web but never received. Finally, I found a fax number to send the information to and it was a success, she sent it twice. On the XXXX of XXXX a representative reached asking was my issue resolved did I get the info I needed. She informed me that they had sent my information to the credit bureaus and it should be updated in 30 days. I asked would I be compensated and not by money and why was I not informed about my deletion to the credit bureaus. She said they sent a letter about the deletion, Im still waiting for her to call me back about the letter I never received. She also informed me that it was not an upgrade glitch, it was deleted because if you extended a payment due to covid, so payments wouldnt be delinquent on credit reports. Again not my problem! I cant get anything dealing with credit because of them not reporting and my score has been poor for a long time. I have had my car for 3 years and 3 months with no history that Im even paying on it or own it for that matter. Beware of this company! I will not get another car loan financed through this company ever!

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