Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has failed to provide proper verification of a repossession and deficiency balance, is reporting inaccurate information to the credit bureaus, and improperly designated my prior dispute as frivolous in violation of federal law. 

I submitted a written verification request to XXXX concerning the reporting of a repossession and charge-off of my auto loan. XXXX responded on XX/XX/XXXX claiming that the account was previously investigated and marked frivolous, and that no errors were found. This response is inaccurate, incomplete, and violates several consumer protection laws. 

XXXX did NOT provide legally required repossession notices ( Georgia law violation ) XXXX did not provide : Right to Cure Notice Notice of Intent to Sell ( auction notice ) Sale/Auction details Proof of mailing Post-sale Deficiency Letter Itemization of sale proceeds vs. deficiency Under Georgia law , O.C.G.A. 10-1-36, these notices are required. 
If they are not provided, the deficiency balance is legally uncollectible. 

XXXX has refused to produce any of these notices. 

XXXX Power of Attorney does NOT authorize repossession ( authorization violation ) XXXX provided a Power of Attorney dated XX/XX/XXXX. 
However, the Power of Attorney does not authorize : repossessing a vehicle, ordering a repossession, conducting an auction, selling a vehicle, or reporting a repossession to credit bureaus. 

This means XXXX did not have legal authority to repossess the vehicle or to report a repossession to credit agencies. This directly impacts the accuracy of the credit reporting. 

Verification under FCRA was incomplete ( FCRA 1681s-2 & 1681i violations ) Under the Fair Credit Reporting Act, a furnisher must verify : the accuracy of all information reported chain-of-title/assignment repossession authority required notices accurate accounting accurate dates ( including DOFD ) accuracy of the repossession event XXXX only provided : a payment ledger a contract a Power of Attorney that does not authorize repossession They did not provide the essential documents required to verify the accuracy of a repossession or deficiency. 

Therefore, the reporting is unverified and inaccurate. 

XXXX improperly labeled my dispute as frivolous ( FCRA 1681i ( a ) ( 3 ) violation ) Under FCRA 1681i ( a ) ( 3 ), before a company can designate a dispute as frivolous, they must : provide a written explanation of exactly why it is frivolous, identify what information was missing, and explain what is needed to continue the investigation. 

XXXX did none of these. 

Instead, they simply asserted the dispute was frivolous. 
This violates federal law. 

Inaccurate credit reporting ( FCRA 1681s-2 ( a ) violation ) XXXX continues to report : repossession charge-off deficiency balance These are inaccurate because : No required notices exist XXXX had no documented legal authority to repossess No proof of sale/auction was provided No deficiency accounting was provided Verification was incomplete Inaccurate information must be removed under FCRA 1681i.

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