Consumer complaint received 2025-10-10 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: TN

Complaint narrative:
XXXXXXXX XXXX  EST, Thursday, XX/XX/XXXX I have spent over 2 hours missing work today, on the phone with 2 employees for XXXX XXXX. As I am typing this now, I am missing another customer call from my job, and have lost an estimated {$600.00} in revenue this evening as a result of dealing with this matter. 

I have recorded over 100 calls with XXXX XXXX staff in the past 2 years+. 

They continue to report that invalid debts exist to all 3 credit bureaus. 

The customer portal displays an incorrect interest rate, and their staff admits it. 

The customer protal displays incorrect payoff data on the mortgage underwriter review she, and their staff admits it. 

Their customer portal displays warnings admitting that they are missing a large amount of transation history data, and have been for a long period of time, proving it is illegal on both a Federal and State level to continue to allege any debt exists. 

Their staff laughs and brags during the call today that they are breaking law, and they will continue to break the law, and that they don't care. 

Their staff abuses me severely through the call, despite being notified that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their staff intentionally asks me the same questions over and over again, and then interrupts me a dozen times when I try to answer their repeated questions. 

Their staff repeatedly uses un-education language and phrasing, implying incompetance to be in the role for which they have been placed. 

Their staff admits that they are not paid enough to care about what is happening to me. 

Both the main level, and management level, staff are abusive, and the management level staff is consistently MORE abusive than the regular level staff. 

No one offers me a solution. 

Everyone give me the run around. 

They lied today, again, about the interest rates, terms for those rates, and who sets those rates. 

They lied about records, and admitted their own lies about records.

The bottom line is Federal and State laws are crisp and clear : 1. It is illegal to collect a debt when transaction history, and interest rate history is missing, because it is an impossiblity to determine what, if anything, owed, because it can not be calculated. 
XXXX. It is illegal to collect a debt when the lender, or servicer, of an alleged debt continue to abuse the consumer. 

Out loud, repeatedly, the staff on the call today admits that they are certain they have no transaction history prior to XXXX, on loan that alleged originated in XXXX. 

Out loud, repeatedly, the staff on the call today admits that they can not answer basical questions about interest rates during the past 12 months of time either. 

At the beginning of the call they admit that the customer portal is full of errors, and is displaying the wrong rate for XXXX loans. 

I have begged, and pleaded, in ever call I have made for 2 years that they mark these debts and {$0.00} owed with me, their records, and with all reports to the credit bureaus, and they refuse to comply. 

I have begged by phone, and in many legal letters, for them to comply. 

During the call today, they admit they can not locate copies of ANY statements. 

During the call today, they admit they can not locate copies of ANY 1098E forms for the first 18 years of the life of either of these 2 loans.

I am having so much XXXX XXXX, I feel like I am going to vomit. I have already not been feeling well, and have an apartment for an XXXX XXXX XXXXXXXX, which is the soonest my XXXX can see me. 

My XXXX XXXX XXXX XXXX, was 10 times worse during this call, and I am sweating, and feel extremely sick at this point. 

They claim I have sent them nearly {$34000.00} in the past 20 years in the portal. 
They claim I only borrowed {$24000.00} to begin with. 
They claim I currently owe approximately {$26000.00} if I wanted to pay off what they say I still owe them today. 

The bankrate amortization schedule for a loan at 10 % compounding for 20 years shows that I would have easily paid that off already. 
The bankrate amortization schedule for a loan at 6 % compounding for 20 years shows that I would have easily paid that off already. 
The bankrate amortization schedule for a loan at 2 % compounding for 20 years shows that I would have easily paid that off areadly. 

This was a variable rate set of loans, with rates that during the majority of the life of the loans was under 10 %, and at times near 2 %, so it is not mathematically possible that I still owe them what they claim. 

Regardless of any claim they make, the missing transation history makes validation of the current alleged amount due impossible to be verified and calculated. 

The debts are NOT valid. 

Below are links to the recorded call from today, and to the video I created, a few days ago, showing how their own system admits they are missing a lot of transaction history. 

I am also uploading a copy of the document I downloaded from the user portal today that claims the last time I paid them was a month ago, even though they were paid this month as well. Also, that print out fails to indicate that I am in a Rate Reduction Plan, which was approved a month ago, and which they have already received the first payment for, and according to them, on the phone again today, has a rate of 5.75 %, which the printout lies and said 8.75 % approximately. 

XXXX XXXX is committing many different crimes of consumer abuse against me, and God only knows how many other people. 

I do not deserve the abuse I have dealt with from this company. 

They continue to do this because the CFPB, the FTC, the Credit Bureause XXXX XXXX, and Transunion, and the Attorney Generals Office ALL ignore these abuses, and at this point, seem to be collaborating to abuse US citizens in violation of a large number of Federal and State consumer rights and protection laws. 

They have also severely abused me as a XXXX person, and discriminated against me as a XXXX person. 

When is someone in a position of authority going to follow the law? 

I would love to know. 

Here are the links aforementions : ( Invalid Debt Summary from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Video Evidence of Customer Portal XXXX XXXX ADMITS Missing Transaction History and Debt Can NOT Be Validated ) XXXX XXXX XXXX XXXXXXXX I am requesting that XXXX XXXX immediately mark any and all account allegedly owed by me, XXXX XXXX, as {$0.00} owed. 

That they send a copy of that documentation to me at XXXX XXXX XXXX XXXX XXXX, TN XXXX immediately That they send that info to all three credit bureaus : XXXX XXXX, and Transunion. 

That the credit bureaus correct their records showing that {$0.00} is owed to XXXX XXXX effective immediately. 

I have sent legal letters dozens of times to XXXX XXXX XXXX XXXX  and Transunion requesting they do this, and follow the laws. They continue to abuse me, harass me, torment me, cause me lost wages and damages to my debt to income ratio, and to damages to my credit scores, especially during the past two years, in which they all admit that NONE of them have been capable of providing debt validation nor transaction history properly, including, but not limited to interest rate history, and other factors like how payments were applied improperly, and much more. 

Please follow the law. 

XXXXXXXX XXXX est XXXX, A total of 3 hours of my work schedule today was missed so far.

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