Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I leased a vehicle from XXXX in XXXX. In XXXX the vehicle was shot while sitting in my driveway. The damage was small, but I filed a police report and opened a claim with my insurance company. In XXXX, I was told by the XXXX registered lease turn-in inspector that the damage was too slight to qualify as excess wear & tear, but I kept the insurance claim open just in case. I turned in my lease, fully paid, in XXXX. Later in XXXX I received a bill from XXXX for excess wear & tear due to damage from the gunshot. I called XXXX and my insurance company. I was assured by my insurance company that they would take care of it, and XXXX was well aware that I was not responsible for the payment. However, in XXXX I received a collections letter threatening litigation on behalf of XXXX for the same bill. I wrote the collections company a letter and immediately contacted an agent at my insurance company. I was told they were still working to resolve the claim, and they apologized that I had been contacted by a collections company. I eventually had to conduct a XXXX call between my insurance company and the collections company in order to authorize the collections company on behalf of XXXX to settle the matter with my insurance company. After it was resolved I spoke to XXXX and was assured that this would not have any impact on my credit, and XXXX apologized for placing the bill in collections in the first place. Nearly 2 years later while applying for a loan I discovered that I had a XXXX account reported to the credit bureaus as a collection, which lowered my credit score by over XXXX points, and disqualified me from loans. This account never should have been marked as a collection, and never reported to the credit bureaus as such. XXXX XXXX XXXX XXXX " XXXX is not accurate when it states that it tried to contact me several times to collect on the bill that was sent to me in XXXX. I received a single bill, one time, and immediately called XXXX to take care of the bill. XXXX told me they would take care of it. I did not receive any additional notice or correspondence from XXXX regarding the bill for expenses related to the excess wear and tear after XXXX. Instead, I received a collections bill. There were no multiple attempts to contact me. After I received the collections bill, I contacted XXXX again. The agent handling the claim apologized profusely, and eventually the claim was paid. The ONLY reason this was sent to collections was because of miscommunications and/or mistakes on either XXXX or XXXX 's part, not my actions. Therefore, the fact that this was ever listed as a collection was itself a mistake and not accurate. I demand that this inaccurate information stop being reported to the Credit Reporting Agencies immediately, so that my 3 year lease that was paid on-time every month shows as a non-adverse account. This has ruined my credit score and harmed my financial well-being. Furthermore, XXXX is not required under the law to report anything to the CRA 's. There is no law that requires TFS to report my former lease agreement as a collection. Rather, it is a completely voluntary act to report the information, and in this case the information is inaccurate. I will pursue all avenues of recompense against XXXX, both here and through the FTC, CA XXXX, or through litigation if XXXX continues to report this false information. I re-state my demand to cease and desist from reporting the inaccurate information regarding my former lease agreement to the CRA 's immediately and that TransUnion delete this disputed information immediately.