Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Amendment to CFPB complaint XXXX XXXX XXXX XXXX is attempting to collect and furnishing a rental debt on behalf of XXXX XXXX XXXX XXXX in the amount of {$1000.00}. I am not disputing that I rented from the original creditor. I am disputing the accuracy of the amount being collected and reported, the completeness and reliability of the accounting used to support that amount, and whether all payments, credits, offsets, deposits, and fees were properly applied. I have documentary proof of five cashiers checks paid directly to XXXX XXXX XXXX totaling {$3100.00} : check XXXX for {$1100.00} dated XX/XX/XXXX, check XXXX for {$300.00} dated XX/XX/XXXX, check XXXX for {$170.00} dated XX/XX/XXXX, check XXXX for {$1100.00} dated XX/XX/XXXX, and check XXXX for {$350.00} dated XX/XX/XXXX. Three of the XX/XX/XXXX check numbers match the payment reference numbers shown on the ledger exactly : XXXX, XXXX, and XXXX. The accounting I reviewed raises facial reconciliation problems. The ledger shows, among other entries, XX/XX/XXXX rent charge {$1100.00}, renter liability protection {$16.00}, home assistant services {$7.00}, XX/XX/XXXX legal charge {$38.00}, XX/XX/XXXX late charge {$300.00}, and then payments of {$170.00}, {$1100.00}, and {$350.00} on XX/XX/XXXX. It then shows XX/XX/XXXX rent charge {$1100.00}, renter liability protection {$16.00}, home assistant services {$7.00}, XX/XX/XXXX legal charge {$200.00}, XX/XX/XXXX XXXX Late Fees {$310.00}, and XX/XX/XXXX XXXX Late Fee {$50.00}. On the face of the ledger, the running balance does not reconcile cleanly. For example, a balance of {$2800.00} plus a {$300.00} late charge should equal {$3100.00}, but the ledger shows {$3000.00}. A balance of {$3000.00} minus the {$170.00} payment should equal {$2800.00}, but the ledger shows {$2700.00}. The lease also raises questions about the fees being claimed. It states monthly rent is {$1100.00} plus {$16.00} renter liability protection and {$7.00} home assistant services, rent is due on the XXXX, late fees are {$10.00} per day after the 1st, legal fees may be treated as additional rent after default, the security deposit was {$1100.00}, and move-out cleaning, repair, and damage charges may be deducted from the deposit. Based on those terms, the collector and original creditor need to show exactly how the {$300.00} late charge, {$310.00} XXXX Late Fees, {$50.00} XXXX Late Fee, and legal charges of {$38.00} and {$200.00} were calculated and authorized, and whether any security deposit, move-out charges, or other credits were applied. The lease lists the {$7.00} home assistant services charge on page 1, but I do not see a separate addendum in the lease file explaining that charge. I also did not receive any initial written validation notice from XXXX XXXX XXXX before first learning of this alleged debt through my credit report. If XXXX contends notice was sent, they should provide the date sent, the address used, and a copy of the notice. Because the claimed amount appears to rely on an internally inconsistent ledger and unclear fee assessments, I dispute the {$1000.00} balance as inaccurate, incomplete, and inadequately substantiated.

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 explanation