Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I have an auto loan and a credit card through XXXX XXXX XXXX XXXX XXXX. Taken out in XXXX. 

Around XXXX of XXXX I received a very rude phone call from a XXXX XXXX who claimed to the manager of the bank, screaming at me over a returned car payment. I had no idea what he was talking about and instead of handling the situation calmly, being XXXX  and having been horribly sick recently, screamed back. I then found out through my boyfriend ( now husband ) that XXXX had called about the 15 day late payment and gotten his approval to make a payment on my behalf. Since my boyfriend was not on my account nor on the vehicle loan this should not have happened. Me being unaware didnt have the funds available when the payment tried to clear and it was returned. I then had a large amount of money transferred into my account to pay the past due balance. When I logged onto the online banking app I found out XXXX, without permission, went and applied the full {$4500.00} to the loan amount instead of just the {$480.00} payment I was behind. 

To resolve the issue my boyfriend and I went up to the bank to speak with XXXX. Not only was he extremely unprofessional and unpleasant to us, he is the same with his staff. After meeting with him and clearing up the balance issue, having the excess funds put back into my account, I ended up removing the extra funds from the bank. At this point I couldnt trust them. 

I was proven to be right when I went in the next month to make my car and credit card I was told the teller couldnt help me. My account was locked down and had explicit instructions that only XXXX could help me. I called the banks XXXX number and received the same response. I then attempted to call XXXX, my original loan officer, only to be told he couldnt help me and I had to go through XXXX. 

My account was locked down and I was left unable to use my account or make payments unless I handled everything through XXXX. At this point I tried reaching a higher member of the bank only to be routed time and time again to XXXX. Even my formal complaints went right to him. Nothing was done. I stopped attempting to make my car and CC payments. The loans fell into default and we went to court. An agreement was reached and a judgment was made. 

During all of this XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX XXXX XXXX. 

Both companies are now reporting the SAME debt to the credit bureaus. ( Namely TransUnion ) it looks like i have XXXX debts. A credit card and an auto loan through XXXX XXXX and a credit card and Auto loan through XXXX XXXX XXXX XXXX XXXX. I have spoken with the banks attorney to resolve the matter and gotten no where. 

To make matters worse, every time I file a dispute with the credit bureau company over this matter, someone ( no need to ask who, its obvious ) reports a new balance on my XXXX XXXX XXXX XXXX report. The balance raises and lowers at whim. This time its up an additional {$1400.00} dollars. 

XXXX XXXX says I owe them {$30000.00} North central says I owe them {$29000.00}. 

Both are reporting a credit card at {$480.00} past due. Both say collections. Only XXXX XXXX keeps reporting as past due and open yet somehow in collections. 

XXXX debts being reported by two banks that are in fact the same bank. 

I have provided all of the information needed to show the changing amounts on a closed account that has a lawsuit/judgment agreement. I also want to note that someone from the bank has been checking my credit report without my permission as well.

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