Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
ood evening XXXX, My name is XXXX XXXX, Im writing to you regarding a purchase I made at your establishment on XX/XX/XXXX. I purchased a XXXX XXXX XXXX XXXX, XXXX or XXXX was the sales person and XXXX was the finance manager. I am actually very happy with the car I bought and how it has all worked out, until recently. Two weeks ago I was expecting my usual bi-weekly car payment to come out of my account but it didnt. So wanting to be vigilant about the error I contacted the name that has appeared on my transaction records for the last year. Auto pay plus, I had assumed that they are the auto decision of XXXX XXXX XXXX XXXX, my lender. Come to find out that its a third party company that is responsible for taking my loan payment and handing it to the lender. I was surprised to find that out, XXXX, I believe his name was. Neglected to mention any of this information at contract signing. My sister who is my co-signer on the loan also didnt hear this information presented to us at the time of signing. I will be stopping this service that appears I have paid for in full for the duration of my loan. Im more than capable of paying XXXX XXXX  on my own with the online service they provide. Documentation fee is not a clear indication of what was being offered to me. The amount of money they would have made without my knowledge is disgraceful. {$1000.00} in total. Since I have discovered this I have looked into other factors in the car purchase experience. The financial expert XXXX decided without my knowledge to destroy my credit score by placing my name out to ten different lenders to receive a loan offer. I have a copy of my credit score with the dates and the lenders that were contacted. I know I have made three hard inquiries on my own accord, but Im writing to ask that the other inquiries besides the loan I am now paying, XXXX XXXX XXXX XXXX, be removed from my credit report. Im reaching out to give you the opportunity to make this right. I am prepared to send certified letters of dispute to each lender, including XXXX XXXX, which is on the report as well. I have already contacted trans union credit bureau about this situation and am ready to proceed with making a consumer review to the XXXX, since this purchase was over a year ago. I will also be sending a letter of deletion to trans union with receipts of the ten certified letters to each lender. I will also be contacting the attorney general about the unethical and unacceptable business practices that XXXX XXXX likes to conduct. I know that XXXX doesnt work for your company any longer, I have a willing advocate to corroborate that my statements hold merit. I would like to settle this matter with civility, but am willing to take the necessary action to ensure that the public is well aware of the business XXXX XXXX likes to conduct. I am a member of the XXXX XXXX and like supporting the businesses in my community. I hope we can solve this matter peacefully and with out further action. I would like a response from you asap. Im preparing to send these documents out within the next week as I have to look for a new lease agreement for a property. You have my email above and my phone number is : XXXX. 
I look forward to hearing from you very soon. 
Thank you, XXXX XXXX

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