Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I open an account with world finance XX/XX/XXXX. I have refinance this account a few times. This account has never reported to my credit monthly. I noticed some issues with my account balance starting XX/XX/XXXX. I was given a late fee after I was told by the worker to come in days later. I was told that the late fee would be waived at that time my balance was XXXX. I questioned continuing to pay this account because I know my balance was incorrect and somehow someone messed up. The next month XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I did pay late. A {$10.00} fee was assessed. I paid late because my balance somehow jumped from {$790.00} back to {$1000.00} and no one could explain. One of the workers said that I refinanced on XX/XX/XXXX. If I refinanced XXXX the XXXX why would you charge me a {$10.00} late fee for coming in to pay XX/XX/XXXX? My payment date was the third. I came in to pay the loan on the XXXX because I was told to. Which is 10 days past my due date. So how can I refinance by your paperwork that says the third if you charged me a late fee? I have proof of what I was told my balance was. XXXXXXXX XXXX XXXXXXXX nothing reported to my credit. XXXX I went in to pay on my loan and I was given another off the Wall amount to pay which was not accurate or adding up. This is a place of business so to not argue I paid it and left. I went back a few days later because they were customers coming to do business and I was frustrated. I was told that if I refinance I could refinance at a lower payment amount. Then I was told that I could not do that because she had to contact someone at another office so to just refinance. This was in XXXX. I noticed XXXX the XXXX my credit score with TransUnion dropped XXXX points due to world finance reporting XXXX times in the month of XXXX. I did call and report this to the store. I did ask why did they report to TransUnion that I had a loan for XXXX I closed it opened it closed it opened it that's not accurate. No one knew where the balance came from no one knew who did I need to speak to. So eventually the XXXX manager called me. She blamed me. She also threatened that if I file a complaint with this office that she would tell the store not to do any more business with me. The XXXX manager told me to meet her in the office at the store in XXXX XXXX Texas XXXX the XXXX XXXX. She told me to meet her there at XXXXXXXX XXXX. I went there she never showed up. I asked the lady in the store to show me where I've ever had a loan balance of XXXX and I asked her why did they report to the credit bureau back to back in one month. She told me it was my problem and I needed to dispute it. I asked her to look in the computer system and tell me where I've even taken out a loan for {$880.00}. She looked and said oh it was maybe {$30.00} {$40.00} less. So I asked her why did they report this and she said she don't know just dispute it. This office has a lied to the credit bureau they have lied to me about my loan balance finance charges. Even when I was late I was called and I asked them not to call me I will come in and make a payment when I can. I was told that they're going to call me anyway or start calling people from my list. This loan business have been giving me problems since XXXX and I just didn't catch it until now.

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