Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX regarding their financing practices and customer service. This matter pertains to a promotion I signed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX on XX/XX/XXXX ( XXXX XXXX deal ) and financed through XXXX XXXX XXXX XXXX. 

I signed up for a course of XXXX XXXX sessions, a procedure that was marketed as painless. Rather than using my credit card, as I typically do, I was persuaded to finance the purchase through XXXX XXXX XXXX XXXX, under a XXXX XXXX loan agreement. While I found this unusual, I engaged with XXXX XXXX XXXX XXXX in good faith, expecting professional and transparent practices. 
_It was not " free money '' as the beautician promised, there were hidden Fees and other hidden costs attached to that loan. 

On top of that, the XXXX procedure turned out to be extremely painful, leaving me both physically injured and emotionally distressed. After XXXX session, I decided I could not proceed with the remaining treatments. I contacted XXXX XXXX XXXX to request a refund for the unused sessions, providing photographic evidence of the bruising and harm I suffered. Unfortunately, my request was denied. The salon directed me to XXXX XXXX XXXX XXXX, claiming that they were responsible for the financing agreement. 

I found myself trapped, forced to pay for services I no longer wished to receive. When I tried to explain my situation to XXXX XXXX XXXX XXXX, I was met with harassment and threats about my credit score. 
I did not know consumerfinance.gov exist at the time. 
And this caused significant emotional distress and left me feeling powerless. Under pressure, I made a few additional payments before canceling my credit card and stopping payments on XX/XX/XXXX. 

After halting payments, I began receiving weekly harassment calls from XXXX XXXX XXXX XXXX representatives. On XX/XX/XXXX, to stop the relentless calls and resolve the matter, I settled the outstanding balance for {$200.00}, even though the original balance was {$410.00} Despite this, my credit score dropped by over XXXX pointsfrom excellent to barely good. This has caused financial hardship and emotional distress. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX again to explore the possibility of restoring my credit by paying the remaining {$200.00}, but I was informed that it was too late to take any corrective action. 

The financial and emotional harm caused by XXXX XXXX XXXX XXXX practices have been devastating. I believe these practices are predatory and harmful, and I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate XXXX XXXX XXXX XXXX for potential violations of consumer protection laws.

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