Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TO WHOM IT MAY CONCERN.

This letter is to formally inform you that I recently received a copy of my credit report.

that your company publishes. Upon review of my credit report, I found a number of items that.

are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA.

Therefore, I am requesting that you please send me copies of the documents that you.

have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that. you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section. 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed, and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be. promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. Please provide me with a copy of an updated and corrected credit report showing these items DELETED. I demand the following accounts be properly METRO 2 COMPLIANTLY verified WITH EVIDENCE or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentations that were not received and that Im requesting proof : - Notice of redemption - Notice of application for a title - Inventory of items that were left in the vehicle.

- The physical items that were left in the vehicle.

- Didnt receive a 45-day notice to redeem items.

- Notice of my rights to redeem the vehicle being that it was 58 percent paid off. & was not sent in three days of repossession which would have provided me with 21 days to pay off the balance. 
- Didnt receive a notice that informs me of your intention to apply for title to the vehicle from the secretary of state. 
- Presale notice with time date and location of the sale. 
- The sale must be commercially reasonable which mean creditor can not sell the vehicle for a price that is significantly lower than its average market value. 
- Post-sale notice that tells terms of the price that the vehicle is sold for and amount that remains on the balance. 

Things to keep in mind : If a consumer left personal property inside of the vehicle, the repossession company should create an inventory of their items and they should give the consumer a period of 45 days to redeem them. They are not allowed to keep or sell the consumers property and are required to provide the consumer with the vehicles location so that they can reclaim their items. 
If the consumer already paid off more than 30 percent of the total loan amount prior to the repossession, the creditor must send them a notice of their right to redeem the vehicle. This notice has to be sent to the consumer within 3 days of the repossession and it will provide them with a period of 21 days to pay off their balance. The consumer will be able to redeem their vehicle and reinstate their pre-default rights if they can catch up on their outstanding payments and pay for any late fees or costs associated with the repossession. However, for the duration of the consumers contract, they will only be able to use this method of redemption once. If the individual already used the previously mentioned method or if they did not pay off at least 30 percent of their loan, they can redeem the vehicle at any time before its sale but only if they can pay the full amount that remains on the loan. This would include any accelerated payments, as well as reasonable expenses by the creditor.

According to the FDCPA if these documents were not supplied, its a violation by breaching the peace.

Please provide the procedure steps and process you followed to ensure that the vehicle was rightfully repossessed and that all notice were sent, and all measurements were followed legally.

Best regards.

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