Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX from XXXX, it was freezing cold so we couldnt look on the lot so we looked on computer but their systems were down so i couldnt get an accurate view of the car. I thought it was an XXXX, but it was an XXXX much smaller. once the sale went through and i saw it i knew it wasnt what i thought so after driving it for a few weeks i utilized their like it or return it and get what you want program. I returned it and purchased a XXXX XXXX XXXX in XX/XX/XXXX which was a problem from the get go. I questioned why so many different companies were on my credit report having pulled my credit that i never heard of or authorized and was told they would all drop off in 14 days, i asked who authorized it and that i wanted them off which never happend. I never gave them permission to pull my credit or participate in the process. 

XXXX did this in violation of 15 USC 6802.

" Subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. '' Now because of the exorbanant amount of inquiries and credit pulls from all those auto loan companies i've subsequently been denied from obtaining credit i've applied to. Causing an extreme hardship on my family and prevented me from being able to do that which i need to do for my family. 
My vehicle had a litany of problems. My brakes were virtually non-existent and the official documented report from them was my brakes were totally " Crystalized and scrubbed down to almost nothing '' which put my family and i in danger of a " fatal '' car accident. There was a weird noise when i drove which made the car feel like it was going to collapse, when they checked that it was discovered that the entire control arm on the car was broken which according to auto industry standards can cause a " Fatal Accident ''. My Driver door handle had a wedge in it where it appeared someone had attempted to remove it and some of the instrument panel information was missing. According to Federal Consumer Finance law known as the : " HOLDER RULE '' ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SELLERS OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HERETO. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

I was deprived of my car for the better part of a Month right after buying it yet was still responsible to pay auto insurance and car note. It has caused me an extreme amount of stress becauseof the safety aspect and the fact that i almost had an accident because the brakes wouldnt stop the car. When i reported it to XXXX they were dismissive and tried to make me wait over a month to get it correted, and tried to force me to rent a car at my expense. When i told them i was calling the local news then a XXXX XXXX. Manager contacted me and provided a loaner. Now that all those things were supposedly repaired the new drum rear brakesthey installed two months ago are completely rusted XXXX. ( Pics attached ) My vehicle drives weirdly, unsteady and feels like i can drift. XXXX SOLD ME A LEMON IN VIOLATION of the LEMON LAW. My car was out of comission for about a month. I asked them to replace the tires because when i did my research automotive websites all insisted that the tires all have to be changed with new tires because the broken control arm issue causes uneven tread wear and that imbalance will lend to it occuring again. They did not replace the tires, nor did they rotate and balance them. I feel like im driving my daughter, granddaughter and I in a " DEATH TRAP '' that im obligated to pay for. And yet it still has problems and i reported to them that only 25 days after getting the car back from service it began saying " OIL CHANGE NEEDED '' This car has obviously been in an accident eventhough the XXXX report shown to me at purchase time says no accidents or issues. The doors hang like theyve been damaged. both the 4 doors and the hood do not close flush like theyve been poorly replaced. this is a COMPLETELY DEFECTIVE VEHICLE. Based upon UCC 2-201 FORMAL REQUIREMENTS ; STATUTE OF FRAUDS, MY finance contract is not enforcable. I have the service contract for all the work they had to do after only driving the car for 14 days. Purchased XX/XX/XXXX went into service for countless problems XX/XX/XXXX. I have pics of the rusted brake drums thst were just put on. They even had to send my car to an independent body shop, then to XXXX XXXX, XXXX, XXXX, XXXX on XXXX XXXX for more expert repair. This is Grossly Eggregious and Disheartening that such liberty has been taken with the lives of my family and I and im footing the bill for it. had i been a shrinking XXXX and let the reps XXXX me as they tried ( I have audio recordings as well ), I could be dead for Gods sake and no one would ever know XXXX was at fault. 

How many fatalities or severe injuries and crashes have occured unbeknownst to the drivers/Victims that were due to NEGLIGENCE on the part of XXXX and its UNINSPECTED FLEET OF USED CARS BEING WILLINGLY SOLD and placed into SERVICE at the expense of the CONSUMER and the PUBLIC AT LARGE ...?

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