Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
Respondent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX : ( XXXX ) XXXX : XXXX Account in Question : Credit Acceptance Auto LoanAccount Number : XXXX XXXX. SUMMARY OF COMPLAINT I, XXXX XXXX, am filing this complaint regarding severe mishandling, inaccurate reporting, and violations of required consumer protection laws by XXXX XXXX XXXX. I no longer possess the vehicle associated with this account, yet XXXX XXXX continues to report the account as open, active, and with ongoing past due balances, causing significant and ongoing damage to my consumer reports. 

The vehicle was impounded approximately XXXX year ago and never returned to me. I was never notified of : The status of the vehicle Any sale or auction proceedings Accounting of proceeds from disposition Required notices under the Uniform Commercial Code ( UCC XXXX XXXX XXXX has continued to report : Inaccurate balance Inaccurate account status Inaccurate payment history Misrepresenting comments Repeated late payments ( XXXX ) despite loss of collateral An open account when the vehicle is not in my possession This is financially and emotionally damaging, and the company refuses to provide documentation or explanation. 

XXXX. DETAILS OF VIOLATIONS A. Reporting Violations ( FCRA ) Credit Acceptance is in violation of the Fair Credit Reporting Act for failing to : Report accurate information ( FCRA 602, 607 ) Correct disputed information ( FCRA 611 ) Provide substantiating documentation Avoid knowingly reporting false or misleading information B. UCC Violations Repossession / Collateral Duties Under UCC 9-610 and 9-611, a creditor must : Provide notice of intent before selling collateral Provide notice after sale Provide full accounting of sale proceeds Credit Acceptance failed to provide any of the above required communications. 

XXXX Consumer Harm Their failures resulted in : Damage to all three credit reports Emotional distress and XXXX  Denial of credit and increased interest rates Inability to verify the status of the vehicle Misrepresentation of my financial standing XXXX. ATTACHMENTS INCLUDED The following documents are attached : Affidavit of Truth & Facts ( sworn and signed ) Invoice for Damages Cover Letter / Notice of Invoice Delivery Credit Report Screenshots and Evidence Exhibits XXXX. ACTION REQUESTED FROM CFPB / ATTORNEY GENERAL I respectfully request : Immediate investigation into XXXX XXXX XXXX reporting practices. 

Removal or correction of inaccurate reporting. 

Verification of the disposition of the vehicle, including proof of sale and accounting.

Enforcement action against XXXX XXXX for failing to provide required notices. 

Assistance in compelling a resolution, including correction of consumer reports. 

XXXX. DECLARATION I declare under penalty of perjury that the information provided in this complaint packet is true and correct to the best of my knowledge and belief. 

Signature : XXXX XXXX : XX/XX/year> 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 non-monetary relief