Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX emails me to tell me I have a balance of {$4500.00}. 

XXXX XXXX XXXX XXXX emails me to tell me I have not provided renters insurance. She says a {$50.00} fee was added to my account. 

XX/XX/XXXX, XXXX XXXX XXXX emails me to tell me that I owe {$5700.00}. 


XXXX XXXX I served XXXX XXXX XXXX with the Texas XXXX XXXX XXXX and all other standing orders by the Federal government as well. This order stated that XXXX XXXX could not evict ame during the time of the order which ended XXXX XXXX unless further extended. I sent XXXX copies to XXXX XXXX and to the staff email where all staff receives the emails and they were both marked as successfully sent. I did not hear back from any staff despite knowing they received it. 


XXXX XXXX I received a knock at my door and XXXX XXXX was there to serve me XXXX notices to vacate. XXXX stated my lease was ending and they were not renewing it. It said they didn't want me to move to a month to month lease and that I had until XXXX XXXX to vacate the premises. The second notice was a notice to vacate yet stated that I was being served this notice to vacate due to non payment of rent, utilities and late fees. I asked XXXX XXXX if she received my standing order. She claims she did not. I told her that the emails stated they were sent successfully. She told me go resend them. What I feel was very telling was that in the standing order I served XXXX XXXX it stated that the standing order would be in effect if the monthly rent was less than {$2400.00}. I was paying a monthly payment of {$1000.00} in my lease. The notice to vacate stated that my month to month lease would increase from. {$1000.00} to ironically {$2500.00} a month. I feel that XXXX XXXX and XXXX XXXX did this to retaliate against me for serving them this order. XXXX XXXX and XXXX XXXX are a federally backed property who received a loan subsidy from the government. Due to this, there was certain requirements XXXX  XXXX must comply with. Serving me notice to vacate despite me serving then the standing orders, not charging me late fees, and XXXX XXXX told me on this day, and I reference this many times in my emails as well, that even if I paid my last due rent I still would be evicted. Even XXXX XXXX said this herself in an email to me that I've attached as well, where she states if I choose to stay it will lead to an eviction which would add to my debt and not look good in my credit report. 
I sent XXXX XXXX copies if the XX/XX/XXXX standing XXXX Order I had sent her previously and she coincidentally received these copies after I was served the notice to vacate. 



XXXX XXXX XXXX XXXX XXXX me to tell me that I owe {$8100.00} and tells me that this will go on my credit report. She then states if I stay I'll get evicted which will look worse on my credit report and add to my debt. She then tells me it's in my interest to get a job. She told me I should reach out to rental assistance or churches. I replied telling XXXX I have a job and am a small business owner of an online store plus I'm a licensed XXXX. Both careers have taken a huge hit after pandemic and I survived XXXX in XX/XX/XXXX, am XXXX  and have XXXX. I am high risk and had to shut down my business due to quarantine and my kids were home from XXXX until mid semester the following year. I told XXXX  that I had applied for covid rental assistance and had just been notified I was chosen and that she should receive some info that the City of XXXX needs her to fill out and send back. She replied 'good to know '. 


Since the XX/XX/XXXX expiration of the standing order was drawing near and that was all that was keeping me from XXXX XXXX filing an eviction against me and had been made clear I could not stay regardless I looked for low income housing and found XXXX that I certified for to show I was like income and made far below the XXXX. I had to wait to see if I would be accepted. During this time, the city of XXXX had contacted XXXX and asked her to send over all of what I owe in rent. XXXX XXXX sends into the City of XXXX that I owe as follows : {$1.00}, XXXX for XXXX {$1.00}, XXXX for XXXX {$1.00}, XXXX for XXXX {$2.00}, XXXX for XXXX A check was written for XXXX XXXX who accepted the money and I was told by the XXXX XXXX XXXX that I was paid up until XXXX XXXX. 

I was also not informed that the standing order that I had served XXXX XXXX XXXXs and in which since they are a federally backed multi residence family property that they are encouraged to post the standing order where all tenants can see it and they are required to provide a copy if asked. The standing order was extended until XXXX XXXX and I was not made aware of my rights to stay in my home since I was the only tenant go my knowledge who served the standing order to XXXX XXXX. I had contacted a lawyer for Texas XXXX XXXX XXXX who was the one to inform me of the order. 

XX/XX/XXXX, XXXX I informed XXXX XXXX XXXX the low income property accepted me and I had started to land that I could not afford to move out all at once. I would need to take things little by little and also by myself. I had no family and had been going through a hard time as well after losing both my parents in XXXX and XXXX. XXXX XXXX said she would have to put my move out date to XX/XX/XXXX and said she should receive my rent from rental assistance in the coming week. 

XXXX XXXX Unaware of the standing order extension I informed the apartments I needed more time to move my things because my XXXX children, a set of XXXX who were XXXX at the time and I had been sick the entire XXXX holiday. The doctor had urged us to go get tested for XXXX and I provided the doctors notes to confirm this. 

XX/XX/XXXX, XXXX I had received an email from XXXX XXXX who was very upset because the electric bill for my apartment had been charged to the apartments for the prior month. I told XXXX XXXX I had called the XXXX XXXX and scheduled to have the services disconnected from my apartment and that it must have not been done. I even sent her the confirmation from the electric company showing I had scheduled the disconnection. XXXX XXXX told me I needed to pay the {$51.00} electric bill immediately and also that I was being charged another violation fee of {$50.00} for no renters insurance. I told XXXX XXXX I sent her the renters insurance proof XXXX  and to check her email and I also stated I was not going to pay any of the utility bill. I told her that in order to receive my apartment key at the new apartment I had to give my new landlord my XXXX XXXX XXXX customer account number or I could not move in. XXXX XXXX XXXX and XXXX XXXX seemed to forget that I was served a notice to vacate, I was told I could not stay regardless if I paid past due rent, they started charging me an extra {$1400.00} a month for an outdated apartment all while they accepted the rental assistance money which had specific requirements and still told me I couldn't stay. It was shocking for me to see how much they were really sticking it to me and doing so at a very financially, emotionally, and physically difficult time in my life. 

To make matters worse I had no help moving and was recovering from a chest cold. As I told you I had XXXX, XXXX and my feet and arms had begun to swell. I asked for more time, once again unaware that the standing order that ended XX/XX/XXXX was extended, I was denied any more time. I was then locked out of my apartment and denied the right to get the rest of my things which include momentos, photos, and business inventory. I was also told that I owed over {$6000.00} in rent after I was just told by the City of XXXX that I had been paid up until XX/XX/XXXX. I called the police and filed a report. Then I asked for the ledger from XXXX XXXX, the head XXXX of XXXX XXXX  I told her that XXXX XXXX XXXX had already informed me that XXXX XXXX had submitted all of what my rent was and it was paid in full. I was paid up until end of XXXX. Initially XXXX XXXX told me that the rental assistance funds were used to pay XXXX through XXXX 's rent and that with all the late fees they were tacking on now that I still owed {$6300.00}. XXXX XXXX also told me I was not going to get any more time to get my things. She then sent me the ledger and it shows that I was charged {$2500.00} for rent for XXXX plus a {$250.00} late fees and over {$1700.00} for rent for XXXX and also renters insurance which I had already provided twice to XXXX XXXX. 

This was outrageous and XXXX XXXX and XXXX XXXX then did an illegal lockout of my apartment and wouldn't allow me back in. It was an illegal lockout because I still had the standing order that protected me and because XXXX XXXX said I could no longer stay there or I would be evicted. I called the police and filed a report. Then called XXXX management who owns XXXX XXXX and told them about this. I explained that this apartment also has been given funding by government backed loans and they must comply with the standing order plus have made their tenants aware of the standing order by placing it where it can be seen. None if this was done. 

XXXX XXXX suddenly changed her tune and even though I was still locked out I was given entrance to gather my things. She was very nice to me suddenly and must have heard from higher ups. 
I sent the XXXX of XXXX rental assistance an email asking them what were the months that they paid for me and what was it that the landlords were asked for. I was told that the XXXX XXXX XXXX had asked XXXX XXXX to send all of what I owed. I attached the email to this complaint. XXXX XXXX sent all of what I owed through XXXX and that what was was what was paid she then turns around after accepting the money and did not and was not honest with the city of XXXX when she submitted because of the fact that I was charged {$2500.00} in rent plus a {$250.00} late fee for the month of XXXX and then over {$1700.00} for XXXX and none of this was even told to me. 

Given the fact that I had served that standing order and was still evicted, regardless the standing order protected me and extended my right to be iin that apartment until the end of XXXX. 

The truly unethical part was that XXXX and XXXX made it clear I was being evicted and I have the emails I provided showing XXXX saying if I stayed I will get evicted. I knew the standing order was the only thing protecting me and yet I should of never been charged late fees under the standing order protection and then the landlords accepted the money from XXXX of XXXX then turned around and tacked on dishonest and incorrect charges to my account. Then when I showed XXXX and XXXX the email from XXXX XXXX XXXX XXXX contacts, saying she made a mistake when she submitted the rental fees and asked the City of XXXX how I could get the rest of my rental money. They did not respond and I was very embarrassed at her unprofessionalism. I do not owe this money period. I will fight this however high up I can because this was also quickly reported to credit bureaus who did not do a thorough investigation into my dispute. I want to know how legally this is allowed and I want this removed from my credit report. I have a right to sue as well for an illegal lockout and for taking the rental assistance money and still telling me I must leave regardless if I paid money or not. I have attached all documents. Thank you.

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 non-monetary relief