Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  XXXX - This is a complaint against the timeshare XXXX. The account mentioned, has appeared in my report multiple times but has already been deleted before but it re-appeared with the same account number, & is reporting negative. I spoke with their people ( I remember XXXX XXXX XXXX who were introduced as representatives of XXXX rather than a salesperson. I was told I am making good financial investment, because the resale value would go up & that I can actually make money from it by renting it out to people thus earning me rental income or once I finished paying them, I could resell it to a higher price. They also said it has some tax benefits. They offered me gifts like a certificate to use for 2 years instead of using credits, which I never got to used because I never got them as promised. I felt pressured and rushed when they told me it's my last chance at the lowest price. I felt I am being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant me the price being offered. They opened a credit card for me, they are the ones who did the entire process, signing the application, they did everything for me without me realizing it. I never even received a copy of the application nor was I informed of the fees. They didn't even allow me to read and fully understand the contract and they never gave me an original copy of the contract or any deed from other contracts. Everything felt rushed, I was even threatened that I only had that day to decide. One more problem was that I wasn't made aware of the cancellation process, They didn't even proactively educated me as to how many days to cancel. XXXX XXXX told me to call her if I wanted to cancel, I've made phone calls to her requesting to cancel, I've left messages but I never got any replies. I was XXXX XXXX XXXX when I dealt with them, and now I am at XXXX, I already have some medical conditions, & having this timeshare just doesn't help someone as old as me, I have limited income because I'm retired, so I'm having financial difficulties meeting my bills, I even lose sleep over the stress caused by this timeshare. This timeshare has been very stressful for me and to make it worse, they're constantly calling me for payments everyday. I've had the worst experience with this timeshare, the pressure used by their representatives, the amount of time it takes, the false promises they told me but most of all the constant manipulation used to control you to force you to buy the timeshare. They won't listen or care about what one is saying to them, will make you feel guilty if you say no or don't sign. I was defrauded and lied to but surely I was taken advantage of due to my age.

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