Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lived in the XXXX at XXXX XXXX community until I sold my home in XX/XX/XXXX. XXXX XXXX, the owner of XXXX XXXX XXXX was our property manager. We only had XXXX boardmember who was strongly influenced and by the XXXX XXXX was the primary person who conducted the HOA meetings even when it involved new plans for the community and speaking with the boardmember. She overstepped her boundaries. In XX/XX/XXXX, she sent homeowners a letter request to meet to vote on a special assessment for property they told us we had to accept even though we strongly stated we didnt want it. The assessment would be {$100.00} for a XXXX time increase in HOA dues for XXXX to pay taxes and survey land. The land was surveyed during development by XXXX XXXX, XXXX. The vote didnt pass, but they enforced it any way. Our covenant/bylaws states the board is allowed to accept property, but not if it will adversely effect homeowners. It also states there has to be a majority vote for special assessments. This property was owned by the developer who was unable to maintain it or the taxes so he XXXX deed it to us for {$1.00}. The problem with it, the lake had environmental issues and the taxes were over {$5000.00}. I went to the court house to research the property. Thats how I learned of the XXXX Deed. They went behind our back, accepted the property and filed it at the court then came to us months later trying to coerce us into going alone with the acceptance and vote for the assessment under false pretenses. The land was not legitimate so they were not valid in collecting money for something that didnt belong to us. The lawyer the XXXX hired was going to the courthouse checking, he had just left XXXX day I went and the clerk said he had been there asking about the transfer. He was still carrying the story they needed the {$100.00} for the property until I addressed it in our XXXX HOA meeting. Then, he admitted it wasnt transferring, but the money would go into a special assessment account for emergency repairs. Taking advantage of homeowners! Because it was not worth paying an attorney, I resolved the {$100.00} balance with them when I got ready to sell. I pulled my credit report recently and noticed XXXX and their attorney/Account Collects person reported negative information on my report in XX/XX/XXXX. The developer never signed our community up with XXXX. XXXX tried to sell us on why it would be beneficial to join XXXX and she said it was required by XXXX law for all HOA who were not at member to join now. She was trying to give herself collection power amongst other things. We never voted and our covenant/bylaws require a majority vote for such action. The only way they can make this type of change is to bring us into compliance with regulatory guidance and that was not the case.

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