Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year>, a loan agreement was executed via XXXX under the name of XXXX XXXX for a solar panel installation. At the time of signing, I was experiencing an intense XXXX XXXX XXXX related to my diagnosed XXXX XXXX XXXX. I was not mentally competent to enter into any legally binding financial contract. 

The Department of Veterans Affairs later issued a decision granting me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/year> just 11 days after the signing. This rating confirms that I was already medically and legally XXXX  during the signing. 

Despite receiving this official documentation, XXXX XXXX XXXX XXXX XXXX XXXX continues to : Enforce the contract and report the loan to credit bureaus Refuse to cancel the loan agreement Repeatedly demand additional private medical records from my providers, violating my right to medical privacy On XX/XX/year>, a loan agreement was executed via XXXX under the name of XXXX XXXX for a solar panel installation. At the time of signing, I was experiencing an intense XXXX XXXX XXXX  related to my diagnosed XXXX XXXX XXXX I was not mentally competent to enter into any legally binding financial contract. 

The Department of Veterans Affairs later issued a decision granting me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX rating for XXXX, with an effective date of XX/XX/year>- just 11 days after the signing. This rating confirms that I was already medically and legally XXXX  during the signing. Despite receiving this official documentation, XXXX XXXX XXXX XXXX XXXX XXXX continues to : - Enforce the contract and report the loan to credit bureaus XXXX Refuse to cancel the loan agreement - Repeatedly demand additional private medical records from my providers, violating my right to medical privacy - Ignore my VA rating as legal proof of mental incapacity at the time of signing Their refusal to cancel this contract is unfair, abusive, and potentially unlawful, particularly given that they have no wet signature, and the only authentication used was XXXX email verification and basic XXXX ID questions- which does not override my proven XXXX XXXX at the time. 

Ignore my VA rating & XXXX documents as legal proof of XXXX XXXX  at the time of signing. 

Their refusal to cancel this contract is unfair, abusive, and potentially unlawful, particularly given that they have no wet signature, and the only authentication used was XXXX email verification and basic XXXX ID questions, which do not override my proven XXXX XXXX at the time. 

XXXX. Contract Signed Without Capacity ( XXXX XXXXRelated ) Virginia Law Contract Rescission ( if in VA ) : O.C.G.A. 13-5-6 ( or similar VA doctrine ) XXXX XXXX  voids contracts if a party lacked the XXXX  ability to understand the nature and consequences of the agreement. 

Uniform Commercial Code ( UCC ) : UCC 3-305 ( a ) ( 2 ) ( C ) A person may assert a defense to payment based on incapacity, duress, or illegality.

2. Fair Credit Reporting Act ( FCRA ) Inaccurate Credit Reporting 15 U.S.C. 1681s-2 ( a ) Furnishers of information ( like lenders ) must not report inaccurate or misleading credit data.

15 U.S.C. 1681i Requires reinvestigation of disputed items. They can not verify a contract that was invalid at its origin.

3. Fair Debt Collection Practices Act ( FDCPA ) ( If they use a third-party collector or engage in collection activity themselves ) 15 U.S.C. 1692d Prohibits harassment, oppression, or abuse in debt collection.

15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect a debt.

4. Consumer Financial Protection Act ( CFPA / Dodd-Frank ) 12 U.S.C. 5531 ( c ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

This applies directly to : Refusing to cancel a contract entered under duress or incapacity.

Requiring redundant or excessive medical documentation after receiving a VA rating.

Exploiting electronic signatures without verifying consent from a legally capable party.

5. HIPAA / Medical Privacy Infringement While HIPAA itself doesnt give you a private right to sue, its relevant contextually : Repeated demands for medical records when a federal VA disability determination is sufficient may create a coercive situation that pressures you into waiving medical privacy protections.

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