Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
1 am submitting this complaint regarding XXXX, the issuing bank and furnishing creditor for XXXXXXXX XXXX XXXX XXXX XXXX XXXX installment loan products. 
XXXX, acting as XXXX 's marketing and servicing agent, publicly represented to consumers that XXXX XXXX XXXX loan data would be consumer-visible only, would not be visible to lenders, and would not impact credit scores. These representations appeared in XXXX 's consumer-facing disclosures at the time consumers entered into XXXX XXXX XXXX loan agreements. 
However, in a written response to a complaint forwarded by the Consumer Financial Protection Bureau, XXXX stated that it began reporting XXXX XXXX XXXX ( term loan ) tradelines to TransUnion for loans originated on or after XX/XX/year>, and further stated that this information may be visible to lenders and may impact credit scores depending on scoring models. 
These statements are materially inconsistent. Disclosures stating that information is consumer-visible only can not be reconciled with later admissions that the same information is lender-visible and potentially score-impacting. 
As the issuing bank and furnishing creditor, XXXX is responsible for ensuring that consumer disclosures related to its loan products are clear, accurate, and not misleading, including disclosures made by its agent. Conflicting representations regarding credit reporting undermine informed consumer consent and raise concerns under federal consumer protection standards, including XXXX. 
1 am concerned that XXXX allowed lender-visible credit reporting to occur after consumers were provided disclosures indicating that such reporting would not be visible to lenders and would not affect creditworthiness. I am also concerned that consumers were not provided clear change-of-terms notice or meaningful opportunity to consent to materially different reporting practices. 
I am requesting that the CFPB review XXXX 's oversight of XXXX 's disclosures, its credit reporting practices for XXXX XXXX XXXX loans, and whether consumers were provided accurate and consistent information sufficient to provide informed consent. 
1 am attaching documentation showing XXXX 's public disclosures and XXXX 's written CFPB response demonstrating the conflicting representations. 

Although XXXX may now attempt to distinguish between Pay in XXXX, Pay in XXXX, and longer-term installment loans, its public disclosure expressly stated that XXXX XXXX XXXX with credit will not affect your credit score, without limitation or clarification. A reasonable consumer would understand this statement to apply to XXXX XXXX XXXX XXXX installment products, including multi-month financing. 

( You can go to XXXX  Scroll all the way to the bottom go to customer> Frequently asked questions> Products and services> Credit scores and credit checks> Does XXXX report to credit bureaus? )

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