Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a washer and dryer from XXXX on XX/XX/XXXX from sales woman XXXX XXXX It was suppose to have 0 % internet if paid in 12 months. I bought washer for {$1000.00} and dryer for {$1000.00} w 0 % for 12 months. Paperwork shows {$4200.00} financed w 31.65 % interest which was not told to me in store. Anotherdocument shows {$3100.00} amount financed which was sent to me by email by store after purchase date. The sales woman explained to me the 0 % interwtst as she held tablet she was reading from and then afterwards just had me initial all spaces that needed my signature. When appliances were delivered there was an issue with the new dryer maiming noise so they took it back and brought me another one same day. I was told the washer I purchased was not in stock and would take several weeks to get it ; however, the delivery men brought in a washer. I asked if they were sure it was my washer as I was told by 2 people in XXXX they it had to be ordered. They said it was my washer but it was the floor model. They went ahead and set it up and informed me if had problems to contact store. I started a cycle in washer after men left and it would drain the water. I called and spoke to supervisor on duty at XXXX and advised that I was not buying a floor model at regular cost but in addition this one had problems so they needed to come and pick up both appliances and cancel my contract as I had 24 hours to do so. He stayed I would have to take it back. I said no its not my responsibility since you sold me faulty and not new appliances and that he would need to pick it up. I had no way to load the heavy appliances nor pickup truck. I advised I did not want any appliances from them after being treated the way I was. A week passed and bo one came. I made several calls but got the response that I had to take back. This went on for months of me setting on hold to only get reps whom couldnt help. I even offered at one point to settle for paying less and the supervisor never got back to me with an amount. Then in XX/XX/XXXX I get a letter stating they are suing me for price of original appliances plus all interest added for total of {$4800.00} from XXXX XXXX XXXX, XXXX. I disputed the charges with XXXX XXXX County on XX/XX/XXXX advising it was not my debt and attached all documentation. The Cause No was XXXX. I received letter dated XXXX XXXX where a continuance was granted to plaintiff. Then letter dated XX/XX/XXXX stating that plaintiff Motion for Nonsuit without Prejudice granted by judge. My credit report shows XXXX currently as a charge off for {$4300.00} as bad debt and status now states closed with no payment history. It had a negative impact on my score so I I disputed with transunion stating that it should state disputed and amount were incorrect that were reported. They responded that it has been updated and now score dropped XXXX points. dismissed without prejudice. XXXX has reported on credit report as a charge off for bad debt and no payment history for {$4300.00} and now states closed which is still incorrect.

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