Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Re : Acct # XXXX Make of car : XXXX Model : XXXX XXXX VIN # XXXX To Whom It May Concern : I am writing in regards to the above-referenced account and transactions. 
This vehicle was repossessed by XXXX XXXX XXXX XXXX in the State of Illinois on or about, XX/XX/2012, and resold on or about XX/XX/2012. 

Under the laws of the State of Illinois UCC XXXX ILCS XXXX ( XXXX ) and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 


If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 


Please note I 've disputed this item at least 10 times supplied TransUnion with proof that this account is n't reporting accurately and they still turned a blind eye. I 've enclosed the documents that XXXX XXXX XXXX XXXX has supplied to me. Illinois has a law that states " Method One : Reinstatement, the 30 % Rule, 625 ILCS 5/3-114 ( f-7 ) : Applies only to vehicles, and only where, at the time of repossession, the debtor has paid at least 30 % of the deferred payment price or total of payments due ( including the down payment ). If so, the debtor must be sent a notice which gives the debtor 21 days to redeem. The notice must be mailed to the debtor within 3 days after repossession. Consumers who have paid the minimum 30 % can get their cars back and reinstate the sales or loan contract if they pay the overdue payments, late charge and repossession costs. A debtor can redeem a vehicle with this method only once during the lifetime of the contract. ". Notice I was n't ever given the 21-day redemption notice in the packet, in which they had 3 days to certified mail it to me and that was never sent out by them or received by me. The numbers do n't add up with the amounts that this bureau is saying I owe. TransUnion needs to be prosecuted for failing to give accurate information about one 's personal credit report. Instead, they 're big on siding with the creditors even if the debtor sends them proof of their claim. This company is verifying that it 's included in a bankruptcy on XXXX and claims I owe XXXX on TransUnion. Please give me information on filing litigation against TransUnion they are fraud and they partake on tarnishing and ruining consumer 's reputations and credit reports. Last but not least XXXX XXXX XXXX XXXX wo n't respond to the Consumer Financial Protection Bureau nor myself but TransUnion keeps saying that they 're responding as " verified ''. I feel that TransUnion never sent my information to XXXX XXXX XXXX XXXX they wait a few days then says company responded back as verified they matched my name, address, and social security number as belonging to this account. When I never claimed that the account was n't mine but that they 're reporting inaccurate information. Now gave them proof on this government website let 's see what XXXX they come up with in order not to remove it. I supplied all the information to justify my claim of the inaccuracy that 's being reported on my credit report and personal credit file.

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