Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I leased a XXXX XXXX XXXX. The salespersons pressured me into paying {$550.00} a month based on my credit, when I had expected to pay {$200.00} less. I initially went to purchase a XXXX XXXX and the salesperson pressured me to lease a XXXX. It placed me in an unfair situation because I needed a vehicle to travel from XXXX XXXX, NY to XXXX XXXX XXXX at least 3 times a week. 

Nonetheless, because of my credit, they made me feel grateful I was able to get anything since I needed a vehicle and would not get any other vehicle. Before leaving the dealership I was asked if I wanted to receive the option to receive emails or mail to my home address. I gave them my email address. 

First, email I ever received came in on XX/XX/XXXX. And it said " Thanks For Letting Us Care For Your XXXX ''. Therefore they knew how to get in touch with me. This particular entity was " XXXX XXXX '' The second email on XX/XX/XXXX subject " Your account has been updated ''. This was " XXXX XXXX XXXX '', They said " Dear XXXX XXXX, Thanks for stopping by your local XXXX dealership to add the following vehicle to your XXXX account : MODEL XXXX MODEL NAME : XXXX XXXX XXXX XXXX '' The third email on XX/XX/XXXX subject " XXXX Consumer Affairs Case # : XXXX '' was regarding my " XXXX XXXX XXXX ''. This was " XXXX '' or " XXXX '' at the XXXX XXXX XXXX XXXX. 

It was not until my XXXX email when XXXX XXXX XXXX emailed me on XX/XX/XXXX and told me to pay {$550.00}. However, I had already been XXXX payments behind for XXXX and XXXX of XXXX. They did not tell me to pay {$1100.00} which is 2 * {$550.00}. But when I received the email it occurred to me that they did not simply debit the card they already had on file for me. By XXXX of XXXX, I had already had a negative on my XXXX balance and they had reported it to the credit bureau agencies before telling me I did not pay XXXX or XXXX. And in XXXX, they didn't tell me when they first reached out to me. 

This was frustrating because now my credit was shot and I was trying to purchase a home. I immediately spoke to XXXX XXXX and then filed with the credit bureau agencies when they would not help. The XXXX sided with XXXX because I did not pay. However, at the time I had no way of articulating how conniving I believed a car company would be. They set me up with high leasing costs and no information to reference how much I paid versus what the balance was with respect to principal and interest. Now, I had an outstanding amount to pay. Luckily, I was able to pay it all off in XXXX of XXXX. But I felt the damage was already done, especially since I was applying for a home loan. 

The issue continued to follow me. Because, I was already paying high insurance while paying high fees for the lease the problem came to a head on XX/XX/XXXX when I dropped the collision. The worst mistake. I forgot to add it back when I was able to balance costs. On XX/XX/XXXX I had a car accident and insurance did not cover the car. I requested a detailed cost of the vehicle via email on XX/XX/XXXX and then via phone call on XX/XX/XXXX and complained separately about the handling of the vehicle. I never received one. 

On XX/XX/XXXX, I asked for a detailed cost breakdown. I have never received information. However, because the car was totaled and a dispute ensued the account was charged off. I now have horrible credit based on this interaction with XXXX.