Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've been making disputes since XX/XX/XXXX, let me start from the beginning. 

In XX/XX/XXXX I leased a XXXX XXXX XXXX XXXX. It was a 36 months lease at {$350.00} a month. This was at XXXX XXXX XXXX, I used to work as a sales/leasing consultant here. 

XX/XX/XXXX, when the COVID-19 pandemic shut everything down, my lease was due. I left several messages for the bank as well as the dealership because I had never leased a vehicle before & needed to know how to return my lease. I tried going to the dealership but they were closed. 

When everything started opening back up no one got back to me. I went back to XXXX XXXX XXXX to turn in my lease. Mind you I made all 36 payments on this lease/loan, never missed a single one! 

I didn't have a job at the time of turning the lease in but the sales team that never got back to me about turning the lease in was trying to pressure me into financing another car before checking my income history & telling me there was nothing they can do. 

So I tried to call the XXXX XXXX XXXX to extend my lease. They said there would be no income check but that I'd be responsible for 3 months up front ( It took approximately 3 months for everything to open back up after COVID-19 shut everything down ), as well as the following 3 months. 

I tried to contact XXXX XXXX XXXX again because XXXX XXXX XXXX had told me to pay them {$2100.00} upfront to extend my lease for 6-months. So when contacting XXXX XXXX XXXX XXXX yet again leaving several messages about how I needed to turn in my lease no one got back to me. The sales person I was working with finally answered one day & said there was nothing he could do until getting me approved on a new loan.

A couple of days later I woke up to the car being gone. I called around & found out it had been repossessed. This dropped my credit score XXXX points when I had never missed a payment in my life & had no option to pay when the lease was due because my account was closed out on XXXX XXXX XXXX website. They also put me through debt collection making it so I couldn't log into my account to even update any information like how I was moving. 

When calling the debt collection agency they told me I owed no money & had nothing to worry about. I updated my address with them because calling XXXX XXXX XXXX would just forward me to the debt collection department. 

After moving I saw I was in collections with an amount of {$450.00} or something around that amount after the lease was ended. 

When calling them I paid them the {$450.00} because XXXX XXXX XXXX told me there was nothing they could do about it until I paid them. XXXX XXXX XXXX was not helpful but the debt collector gave me the information to dispute the debt. 

I disputed it several times since XX/XX/XXXX & the remarks on my account have been changed from repossession to paid charge off. 

XXXX XXXX XXXX never updated my address so I should never have been in collections because I made all my payments during my lease. They sent the final bill 2 years late to the wrong address before putting me in collections. When I found out I paid the same month of that bill. 

My lease & lease turn in has been paid. I pay 100 % of my bills every month & always have. 9 years of building my credit from non-existent to a XXXX went down the drain because the lease " repossession '' dropped me down to a XXXX, then the " lease turn in debt '' had dropped me down to a XXXX. This company has all together costed me XXXX points on my credit report, this caused raising interest rates on my credit card & I've been paying so much more in interest due to the incorrect remarks on my account & the company using a pandemic to royally take advantage of me. 

Everything I worked so hard for has been ruined & I'm still facing the repercussions of this today as a XXXX XXXX XXXX who's never missed a payment. I've attached photos as well. 

XXXX XXXX XXXX keeps " updating '' my credit report but not fixing it. It now doesn't show the correct payment history & is still marked as a repossession as well as bad debt charge off with TransUnion & missing information all together on XXXX because they refuse to remove the false negative remarks from my account.

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