Consumer complaint received 2023-09-20 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: OR

Complaint narrative:
On XX/XX/2021 I Had purchased a dog from a Breeder In XXXX Oregon I paid {$1500.00} for the dog. The Breeder told me that she would include all medical records along with her registration to the XXXX XXXX XXXX which when we arrived to XXXX which is a XXXX hour drive from XXXX the breeder had us meet her over to her parents house which i thought was odd but once we met she had the XXXX XXXX well groomed and she looked healthy she was alert and really cute so the breeder told me she was current on her shots and her record was with the registration folder from the XXXX XXXX XXXX. I had paid her and the exchange took place so we got back in the rental and began our journey Back to XXXX. It was late by the time we got home so i introduced XXXX to my home and my XXXX other dogs trying to make her comfortable i allowed her to sleep with me once we had laid down i noticed she was breathing like she had just ran a marathon so i figured it was because she was in a new environment So i wrapped my arms around her and tried to comfort her well when i woke up she had XXXX all over my bed and myself and it smelled horrible worse than any dog XXXX i've ever smelled I had already made her exam appointment with XXXX XXXX Which has been my XX/XX/XXXXever since XXXX but because of the covid i could not get in for the exam until XXXX unless the dog was XXXX which she was not but she would XXXX all over my house constantly which was unusual and i noticed that she would eat her XXXX that was the second sign that something isn't right So Had purchased an xx-large crate to keep her in while i break her from using the bathroom in my house which she did not comprehend any type of instructions or would she even watch and learn from my already well trained XX/XX/XXXX She would go outside with them and instead of going outside to XXXX she'd find some XXXX to eat then follow my dogs back in and XXXX in my house So couldn't seem to get any results so i scheduled a trainer but because it was Still Covid related changes everything was pushed out months for appointments so I had to keep her in the crate and let her out every hour to use the bathroom. Finally her appointment for the exam came and what they found was disturbing She Had XXXX which i had to treat my other XXXX dogs as well but she had XXXX and for as many eggs they found she had it before i purchased her which i already knew because my dogs never had any type of parasites So i had to treat all XXXX of them she also had some other issues which you can find inside the documents I provided with this complaint. The bottom line is this breeder had sold me a dog that was sick and also had an immune deficiency something thats born with So i had reached out to the breeder and told her she sold me a sick dog and she can replace her with a different puppy or give me back my money and she refused and she knew the dog had issues before she sold the dog to me and i had purchased insurance for XXXX before i even purchased her. I truly know that dog was an inbreed. any ways i called my back and explained to them the situation and filed a dispute under sold defective product and provided the XX/XX/XXXX report about all the problems the dog had now mind you this report is from a certified licensed XX/XX/XXXX which when i took her i looked for her medical history that was supposed to be in the XXXX XXXX XXXX packaging which it was no medical history and i explained to my bank she basically ripped me off and that i had tried communicating with her but did no good so they gave me a provisional credit while they investigate my dispute i with drew it as soon as they put it in my account and did not put any money in that account because of the actions they took on me from a prior dispute they ruled against me on which they should have not but they did and i was not going to allow this to happen twice and thank god i didn't because sure enough they ruled against me and their reason is because She sent them a contract that stated i was to take the dog to the XX/XX/XXXX within 3 days after purchase which first and foremost i never signed a contract or was i given a paper contract but during the dispute she text me the contract which is not binding because it was not signed and a contract is supposed to be implemented during the sale or transaction not a month down the road and it would have to have 2 signatures mines and the breeder which i had asked them to send me a copy of the information she provided and a copy of the alleged contact i had supposed to have signed which they did not so i told them they cant validate her information by just her word but i was able to validate the dog had medical issues before i even purchased the dog and i also pointed out what the contract she had text to me states which it says the guarantee to sale healthy and XXXX puppies which XXXX was not either so if i did sign a contract which i did not she would have been the one to breach the contract because the dog was not healthy it had XXXX and other medical issues so how is it i breached it if the dog was with health issues and it did not matter they took her word over my official medical licensed XX/XX/XXXX report and they also did not provide mew with anything that i asked for that could prove validation but i provided them with 100 % validation and thats when i knew that my bank which i never had an issue with never overdrafted or anything had some sort of resentment towards me which in all honesty i believe t was my XX/XX/XXXX because they was steady denying my valid validated with paper disputes and the facts is in all the documents i provided to you and you will agree there is no way i should have had to suffer the actions they took upon me especially when my documents tell my truth the documents i provided validated everythjing i gave them rerason for why i am entitled to my money back but they wanted to ruine my reutation my credit my consumer report which they never had informed me they was sending the debt to a collecter or furnish any thing about me to anyone so the intentionally Abused me and violated the consumer laws in place by congress 15 USC 1681b, d 15 USC 1691 A 15 USC 1679 A 1,2, B AND 15 USC 1692 1,2,3,4,5 b, c, d, e 15 USC 1692k A,1 2,2AB,3 3b,. I'm not a veteran with these laws as i just started getting familiar however im going to mention what i believe they are in violation for which they did not contact me and tell me they where going to share my information to anyone so they never given me an option as to rather i agree or disagree. Also they did not ruled against me without validation and they did not provide the validation of the claimed contract that i asked for or did the give me a fair investigation they reported to the consumer reporting agency that they closed my account due to non payment of a balance {$1300.00} which cause me not to be able to open another bank account negatively effected my reputation when i provided them with binding documents that supported my claim but they intentionally put the burden on me and took money from me without any legal document that verified that My claim was inaccurate or not valid when i provided documents to support my valid claim and i was a client of therirs and they disregarded everything i provided explained and i just dont understand why the turned they back on me the way that they did and wouldn't listen to nothing i had to say or honored anything that i provided i honestly felt like the person that handles the dispute knew me and dont like me because everything they did was unfair and mean and hurtful and caused me all kinds of issues especially when they took my rent money when i provided them with the proof of the transaction made and i begged them to do what right soi dont be put out into the streets and they told me that their decision was final even with the documents i provided that contradicted the information that they received from XXXX XXXX.Im sorry that another complaint so ill stay on the subject of this complaint

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