Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is referring to account # XXXX XXXX XXXX XXXX. XXXX has violated many of rights and Transunion has violated my rights as well by continuing to report this inaccurate information. First off XXXX XXXX has continued to harass me by calling me, texting me, leaving voicemails, sending letters and emailing me before XXXX which is an inconvenient time for me. I have XXXX XXXX  children that I am preparing for school virtual and in person and I am constantly dealing with phone calls at XXXX and XXXX XXXX  This is a violation. 15 USC 1692 Section 806 Section 5 states causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. They will call first then send a text, leave a voicemail and then send me an email. Clear violation. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer. Anytime before XXXX XXXXs a clear violation. You will see in attachments pohne calls and texts and emails beginning as early as XXXX XXXX. Also, they are claiming that I owe no less than {$1000.00} but no more than {$1400.00}. This is a violation of 1692e because you all are making false claims saying I owe and being deceptive by telling me to send in any amount and you will re-write the loan and you will fix late payments. They are knowingly reporting late payments until I send in any random amount. Proof attached as well. They do not have a clear amount that I owe because I do not owe anything else. I was making monthly payments of {$350.00} with interest on a car that I no longer have. The car was in an accident and my insurance totaled it out and GAP covered the rest of the payments. They are awaiting on payments from GAP but instead of them clearing out the loan and marking it paid as agreed. They are trying to collect money from me that GAP is supposed to be covering or will be covering. They are also damaging my character by marking late payments on my credit report. They are marking that I am late on a XXXX XXXX monthly loan that included interest but again the car is gone, and title has been sent to insurance company. So, what exactly are they claiming that I owe? They are wanting me to send in any amount as you can see proof attached and then saying to me how they will re write the loan with 0 interest, but I do not agree to that because the loan is paid. The original contract became null and voided when the insurance company paid them {$6.00}, xxx as you can see on my Transunion report. It is not my fault that GAP has not paid them yet. But to continue to report inaccurate information and the daily harrassment on top of the different amounts they text, email, etc daily I want it to stop. This has turned into a nightmare and a very stressful situation I have already filed with the ATTORNEY GENERAL OF ILLINOIS, XXXX, & CFPB but they are in my opinion not responding on purpose. Also the Truth In Lending Act was not disclosed to me as well as me putting {$3000.00} cash down. This is against the law. Legally by law the TILA ACT has to be disclosed. Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. These are clear violations, and they are not allowed to break the law or continue to violate me. These are the facts and I have the proof. There is no reason this account should not be cleared up on my credit report ASAP.

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