Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Freedom of Information Act Request and Loan Transfer Dispute I opened line of credit for furniture purchased at XXXX XXXX on XXXX XXXX with account number : XXXX with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have paid as agreed and never missed a payment as it was auto drafted from my personal bank account. 

After a year, I see another company, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on my credit report with a different account number XXXX that I confirmed with customer service. 

I disputed the account on Transunion asking to provide a copy of a signed agreement with XXXX XXXX XXXX XXXXXXXX XXXX XXXX with the original account number listed above. I did not sign my name to an agreement with XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX VA, as I have attached the original agreement to this complaint. 

I am writing to formally request information regarding the transfer of a loan account, which I believe has been conducted without my consent. As a concerned borrower, I am seeking clarification and documentation pursuant to the Freedom of Information Act ( FOIA ), 5 U.S.C. 552, regarding the loan account in question. 

As a borrower, I have certain rights and expectations concerning the terms and conditions of my loan agreement, including any transfer of the loan. 

I am making this FOIA request to obtain the following information : 1. Copies of all documents related to the transfer of my loan account, including but not limited to agreements, contracts, and correspondence between the original lender and the receiving bank. 

2. Documentation demonstrating that I provided written consent or authorization for the loan transfer, as required by law and my loan agreement.

3. Any records of notifications sent to me regarding the loan transfer, including the dates of notification and the method used to inform me.

4. Any internal communications, memos, or notes pertaining to my loan transfer within both the original lender 's and receiving bank 's organizations.

5. Any policies, procedures, or guidelines that were followed by the original lender and the receiving bank in facilitating this loan transfer.

I am asserting my right to access this information under the Freedom of Information Act in order to fully understand the circumstances surrounding the transfer of my loan. The FOIA requires a prompt response to such requests, typically within 20 working days. 

If any of the requested information is exempt from disclosure under FOIA, please provide a written explanation outlining the specific exemption ( s ) that apply.

Please acknowledge receipt of this FOIA request in writing and provide a timeline for when I can expect to receive the requested information. Failure to comply with FOIA requirements may result in further legal action. 

I look forward to your prompt attention to this matter and trust that you will provide the requested information in accordance with the law. I have had several disputes with Transunion and I keep having issues with these reporting platforms.

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