Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yes, I have a current auto loan with XXXX XXXX XXXX since XXXX and in that loan my brand new vehicle has been under engine recall since XX/XX/XXXX. And where my vehicle is one of XXXX that just burst into flames that's killed two people locally recently. Due to bad piston rings. The only option of remedy is replace the motor or place a XXXX knock program in the vehicle to monitor the motor. 
I have contacted the credit union multiple times due to the recall and the falsification of all the repair orders I've had it in for repair recall three times and every time they have falsified the records and stayed at a different repair than it is the car is valued in about XXXX resale where XXXX XXXX  puts it about XXXX. And I have major issues as to where my motor has labels that have caught fire within the engine well and serious blowback from the bad piston rings in the motor. I've tried to remedy with the credit union and the only option they have given me now four times even management is to allow the car to repo that is my only option and the only remedy they give me which I do not feel is right for any banking facility to educate me to do so can you please help. I'm in a {$30000.00} car loan that the car is worth {$40.00} to 65 % less than its average value but yet it shows nowhere on the VIN history of any recall nor accident and I actually had an accident a year ago and one litigation as in I had {$10000.00} in rear end damage and it's still not on the VIN history as my mother is a title clerk for the State of Florida and can pull all then activity on any vehicle. 
I've educated the credit union that I would just like to have what I purchased in a vehicle safe and reliability and then I do not want out of the loan nor any obligation just a reasonable comparable car or some help to get it fixed as XXXX has lied to have all the paperwork to show I even have been on the national news on XXXX XXXX if you research and look up furious XXXX XXXX XXXX XXXX XXXX Florida it will pull up. 
I would just like what I purchased in a brand new vehicle not a car at XXXX miles to have a faulty motor and then have killed XXXX people that they have burned alive. 
Now to boot I pull my credit on XXXX XXXX  and it is reflective of XXXX putting derogatory remarks on my credit and bringing my score down due to their the attachments you see show the graph of my payments and it states that I've missed two or three payments at a time routinely about every 90 days and then I make double and triple payments. I never not want have been late on a payment or paid a half payment partial or anything other than this time and I paid a partial payment 30 days later I paid the other partial which put me behind a payment and now they're demanding the other payment when I sent in a payment Friday they received it Friday I put it in the mail Tuesday last week and they are not accepted of that they're demanding the other payment as well 2 Days later and they've already sent a repo notice intent. Which makes no sense I understand there's terms and contracts but after all we've been through give us a repo notice within 30 days or less that's kind of insane. 
So I called XXXX XXXX XXXX today and asked them in regards to this statement on TransUnion as to why these payments reflect history of this when I've never paid late and never had a late fee ever the whole term of the loan so far except the last 2 months for half partial payment. And the red plainly stated I don't know and they're unwilling to help or answer any questions nor can I get a call back from a manager which has been stated I would have now going four times as well as if you look at the loan they show that I started payments almost 8 months after the purchase of the car when I started payments the next month. And if you look on there review history via the Internet that's all over the Internet of these complaints about this company

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