Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Be advised that this is a notice sent pursuant regulations under the Federal Trade Commission. Your company was not able to verify and accurately report information on my file for XXXX XXXX XXXX XXXX XXXX XXXX An authorized XXXX   dealer doing business under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I submitted a dispute with Transunion on XX/XX/XXXX due to erroneous information showing on my Transunion credit report placing me in a hardship situation. I am a XXXX Veteran, and I was taken advantage of by XXXX XXXX XXXX XXXX - an XXXX Authorized Dealer under company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sales person XXXX XXXX ( XXXX ) XXXX, come do my door stating he was an XXXX representative. I told him that I was not interested however he used extreme high-pressure sales tactics and pressured into a shady door-to-door home solicitation transaction. 

On XX/XX/XXXX, XXXX told me that he would give me free blinds, and garage door opener if I allowed him to move forward with this XXXX  presentation. XXXX had his unlicensed neighbor, install the garage door opener which voided my home warranty I had to pay {$120.00} for the installation. I was upset because XXXX made me cancel the installation that I already had with a licensed contractor with XXXX who was going to install the top of the line XXXX garage door opener and save my home warranty. XXXX also purposefully flooded my toilet and then went on a rant about XXXX XXXX poor quality and then tried to sell me a {$99.00} toilet. He also put holes in my front door by installing a door ringer that I didnt want. When I asked XXXX, if I didnt want the items later what would the procedures be XXXX told me not to worry about it and that I could just sell the free items when I sold my home down the road XXXX then left my house to get blinds from XXXX XXXX and came back and told me to sign a contract on his phone. I told XXXX that I was a XXXX member, I told XXXX that I was a XXXX XXXX  XXXX Veteran to please go over the contract and he told me that XXXX did not have any specials however I was getting the free blinds and garage door opener. XXXX did not go over the contract, did not tell me of my right to cancel ; I was not given a copy of the contract nor information about how to cancel because the transaction was completed using his phone. He told me to just click on different boxes on his phone not telling me what I was signing. I told XXXX that I would not be able to use anything because I just moved into my home and I wouldnt have internet until XXXX XXXX. XXXX told me not to worry about it that he would come back to the house to complete the installation once I got my internet set up he never came back and later when I got a copy of the contract from XXXX, XXXX opted me out of the 7 days get to know your system. 

On XX/XX/XXXX I called XXXX and left a message to come and pick up his equipment he did not return my call. On XX/XX/XXXX, I asked XXXX at XXXX ( XXXX ) XXXX ext XXXX to cancel service because XXXX was ignoring my request to cancel service on XX/XX/XXXX. I told XXXX it was a stress purchase and I told XXXX to come to get all his stuff to cancel service and XXXX at XXXX XXXX XXXX XXXX XXXX XXXX started to avoid my calls. XXXX informed me that they could not cancel because XXXX was not with XXXX but with a third party service XXXX XXXX XXXX XXXX XXXX XXXX - XXXX didn't tell me he was a third party - told me that he was a security consultant for XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX and his card that he gave me states XXXX, not XXXX XXXX XXXX XXXX XXXX. I was under the impression that XXXX was a certified XXXX dealer, not a third party vendor. I did not like what was installed in my house ; it is not needed. I called XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, and they avoided my calls. I called XXXX   back and was told my case would be escalated. On XX/XX/XXXX, XXXX emailed me a copy of my contract because XXXX XXXX XXXX never gave me a copy of my contract. On XX/XX/XXXX, emailed XXXX XXXX and told him to cancel service, the equipment was disconnected, and we needed to head to civil court, and after two minutes on the call XXXX hung up on me. I then called ADT and told them that XXXX XXXX XXXX hung up on me and as I was on the phone with XXXX, XXXX from XXXX & XXXX XXXX called me back, and I added her to a conference call with XXXX. XXXX told me that I owed {$860.00} for the blinds, garage door opener stating she was in XXXX & XXXX XXXX collections agency. During the call ( recorded ), I told XXXX at XXXX XXXX XXXX that they needed to acknowledge my many cancellation requests, get their equipment, XXXX free items and restore my home to its original condition, or we needed to go to arbitration, or small claims court and XXXX & XXXX hung up on me. I continued the call with XXXX and was told my matter was being escalated to team member XXXX  on their corporate presidential team at ext XXXX ext XXXX left XXXX messages on XX/XX/XXXX and XX/XX/XXXX never heard back from her. Left messages for XXXX manager XXXX Manager XXXX ( XXXX ) XXXX on their presidential team on XX/XX/XXXX, and XX/XX/XXXX never returned my calls. On XX/XX/XXXX, I emailed XXXX XXXX ( XXXX ) XXXX and told him that XXXX XXXX XXXX refuses to cancel service, and get their equipment. XXXX XXXX emailed me back and stated he was XXXX corporate and my email was forwarded to the proper channel for resolve. On XX/XX/XXXX, a XXXX XXXX at XXXX asked for a copy of XXXX   business card because XXXX did not say he was a representative of third-party XXXX XXXX XXXX XXXX XXXX but an XXXX representative and he said I am working diligently to get to the bottom of this- never heard back from him. XX/XX/XXXX, XXXX sent out a signal and confirmed the equipment was disconnected and no longer serviceable. XX/XX/XXXX I contacted XXXX XXXX at the Texas Department of Licensing and Regulation and told her of the fraud that I was dealing with from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX, XXXX XXXX told me that the Texas Department of licensing and  regulation does not have jurisdiction over the matter described and I would need to contact the Department of Public Safety ( DPS ). On XX/XX/XXXX I received an email from XXXX XXXX District Sales Manager of XXXX stating that he would have another XXXX representative come to the house to discuss joining the XXXX family. Sunday, XX/XX/XXXX, a XXXX XXXX shows up unannounced to my door. I have a no solicitation sign on my door. XXXX XXXX states that he received the complaint from me and that he acknowledged that the service was canceled he just wanted me to give him the blinds and the garage door opener back. I told XXXX he could take the items. XXXX told me that I would have to pay him XXXX dollars to have his guys come to my house to get the items out of my house. I told him I wouldnt pay the {$250.00}, but he could get the items out of the house and return my house to its original condition. XXXX then asked me where the system was, and I told him because I was given the run around for close to a month, I finally just threw the system away. XXXX then tried to sell me another system, stating he would give me a good deal and this time he would include the XXXX membership offer and veteran offer and XXXX months free service. I told XXXX I would never do business with XXXX again. I told XXXX how shady XXXX was, how he flooded my toilet, ruined my dryer, and put holes in my front door. XXXX then said he was not just a representative with XXXX, but he owned XXXX XXXX XXXX XXXX XXXX XXXX. I told XXXX, he was a very shady person and to put everything he told me in writing so that I could sue him. XXXX told me that he lived around the corner from me and I responded and said put everything you said in writing and lets handle the matter in court. XXXX said he didnt want to go to court and not to worry he would email me his conditions to resolve the matter outside of court - he never emailed me. XXXX XXXX at XXXX XXXX saw XXXX leave my home after showing up unannounced and told me that the day prior XXXX representative XXXX XXXX had the police called on him for threatening people in the neighborhood I feared for my life and called my boyfriend on what to do. I then emailed XXXX XXXX on XX/XX/XXXX and told him that my XXXX boyfriend said instead of showing up bullying and harass a single mother with XXXX children to contact him to resolve the matter in court for deceptive business practices in connection with its wireless security equipment and monitoring services. XXXX and XXXX never responded and blocked my email. On XX/XX/XXXX, I emailed XXXX and stated account XXXX was an unauthorized closed account. My credit card also flagged XXXX XXXX XXXX XXXX XXXX XXXX and XXXX as fraudulent charges. 

I requested cancellation, I requested for the equiptment to be picked up, I requested for my home to be restored to its original condition and I requested for arbitration several times verbally and via email with XXXX XXXX XXXX and XXXX however XXXX XXXX XXXX XXXX XXXX and XXXX ignored all of my request and gave me the run around. On XX/XX/XXXX, I received an email from a XXXX XXXX with XXXX XXXX XXXX XXXX in Illinois ( XXXX ) XXXX XXXX stating that I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX for {$2400.00} and if I do not pay that it will go on my credit report. I told XXXX that I cancelled within my 3 days, I never did business nor do I have a contract with XXXX  XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX and I would file a complaint with XXXX corporate office as XXXX XXXX XXXX XXXX XXXX was not authorized to sell in the XXXX XXXX community XXXX XXXX  XXXX XXXX had actual XXXX representatives that new home owners were to work with in the local area assigned to the community. 

I called XXXX on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, on the XXXX I had a three-way call with XXXX and XXXX XXXX XXXX XXXX XXXX and was hung up on by XXXX XXXX  XXXX. I have been in contact with five people at XXXX. Three XXXX representatives were in the escalations department I left messages for XXXX & XXXX on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX hung up on me on XX/XX/XXXX after a 2 minute conversation because I told him that he violated Texas consumer laws and that all my call recorded and can be forwarded. 

XXXX XXXX at XXXX XXXX stated XXXX XXXX XXXX was told not to sell in the community and the police were called on XXXX for threatening XXXX XXXX one of the sales representatives at XXXX XXXX- XXXX is a very aggressive, violent person. 

Both XXXX and XXXX XXXX XXXX received several verbal and email request from me requesting to cancel service, and both companies gave me the runaround. They did not notify me of their intent to retrieve the security system, after twenty days after XX/XX/XXXX, I did not receive any verbal or written intention to repossess the security system, and so I threw the security system away. 

XX/XX/XXXX, I filed a XXXX complaint Case # XXXX and # XXXX was told it was out of their jurisdiction ( Florida ) that I needed to hire a consumer law attorney as several laws have been disregarded and violated. 

I have recorded all of my calls and can present them to a judge to listen to my calls with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I have copies of all my emails and voicemail calls so that a judge or arbitrator can validate that Texas laws have been violated and shady practices performed. 

XXXX XXXX XXXX XXXX XXXX did not provide me with a copy of the contract or receipt stating the date of the sale, the name, and address of the merchant, nor did XXXX tell me that I had a right to cancel the contract, nor did he provide me with an address for sending a cancellation notice. 

XXXX XXXX and XXXX XXXX, then started harassing me at my home, following me to XXXX in his blue pick up truck XXXX in his white pick up truck. XXXX XXXX XXXX XXXX XXXX stated I had a rental/lease with them and placed a fraudulent person on my on Onsite rental report by the name of XXXX XXXX XXXX who was a Florida XXXX  the rental agency looked into it and had the information removed. XXXX threatened and told me he knows people and I didnt know who I was messing with. My home was vandalized - unscrewing a light from my garage. My XXXX XXXX, I had for four years, since he was a baby, XXXX was XXXX. My children and I had to leave the house for safety purposes as this is not the first time this company has harrassed people in the neighborhood per builder XXXX XXXX XXXX XXXX XXXX XXXX ( recorded conversation ). 

I filed a complaint with the Attorney General XXXX XXXX ; I filed an IC3 complaint with the FBI letting them know of the threats. 

XXXX Corporate office stated that I do not owe any money as I cancelled the service within the 3-days and addition the sale was void anyway as the third party salesperson failed to make certain disclosures also others conditions were met as I requested for XXXX XXXX XXXX XXXX XXXX to pick up their disabled system, XXXX XXXX XXXX XXXX XXXX did not notify me within ten days whether they intended to retrieve the system or abandon the system as they avoided contacted for 20 calendar days. 

The erroneous information does not report on my XXXX and XXXX credit reports as that CRA stated this is a civil and criminal litigation matter - and the CRAs are to report factual information only not mediate/or sit in a role as a judicial official to decide or figure out this dispute. 

My dispute is also past the 30 days and needs to be removed immediately as it is causing a lot of damages to myself and my family. 

Be advised that this is a notice sent pursuant regulations under the Federal Trade Commission. Your company was not able to verify and accurately report information on my file for XXXX XXXX XXXX XXXX XXXX XXXX An authorized XXXX   dealer doing business under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Under FCRA 623 ( a ) ( 8 ) On XX/XX/XXXX, I requested in writing for proof of the investigation and negative information about information reported on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX An authorized XXXX dealer doing business under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This company reported, I have a lease/rental with them and that is how they gained access to my Transunion credit report. The response from Transunion is XXXX XXXX XXXX XXXX XXXX XXXX An authorized XXXX dealer doing business under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is - updated. So in other words by saying updated Transunion has reviewed the debt to be reported and decide that the debt is valid. 

Per 31 U.S.C. 3711 ( e ) ( 1 ) ( D ), I asked for a review of the debt being reported. Transunion states the debt has been reviewed and updated. However, your agency is still reporting inaccurate information. The file needs to be removed from my credit file. 

Per 31 U.S.C. 3711 ( e ), I exercised my right to dispute inaccurate information contained in my files. I requested for copies of court orders, proof that the SSCRA and SCRA was properly followed, and other pertinent documentation validating the debt ; I was denied the right to review records pertaining to my debts. 

Federal agencies should be aware that credit reporting agencies are required by the FCRA to delete information if their investigation are not completed within 30 days. Transunion did not complete a full investigation within 30 days of receipt of my certified notice. 

XXXX XXXX XXXX XXXX XXXX XXXX An authorized XXXX dealer doing business under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). reported incorrect information and is avoiding civil and criminal litigation. 

Please see the attached supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX An authorized XXXX dealer doing business under Dream XXXX XXXX XXXX not an attorney. /XXXX XXXX XXXX XXXX ( XXXX ), third party agency ( FDCPA ) is reporting false data which is preventing me from obtaining business credit.

Federal Fair Credit Reporting Act ( 15 USC 1681-1681p ) ( FCRA or federal act ) regulates the activities of credit reporting agencies and the users of credit reports and provides rights to consumers who are affected by such reports. California has enacted complementary legislation for the same purposes, the Consumer Credit Reporting Agencies Act ( CC 1785.1-1785.35 ) ( CCCRA ) and the Investigative Consumer Reporting Agencies Act ( CC 1786-1786.56 ) ( CICRA ). [ Consumer Law Sourcebook, Vol. III, pg. 279 ] The FCRA regulates the collection, dissemination, and use of consumer credit information. Whenever a creditor, debt collector or credit bureau violates consumer rights under the FCRA, it is up to {$1000.00} PER VIOLATION or Actual Damages, plus PUNITIVE DAMAGES, attorney 's fees, and court costs - Regarding my complaint, I am seeking {$10000.00} in damages.

This inaccurate negative information on your credit report cost me money due to loss of credit needed to conduct my business, higher insurance premiums, fees paid to attorneys, and others for assistance with credit issues prior to bringing suit, and other costs and expenses of being denied credit and attempting to correct incorrect negative credit information. In addition, as a military servicemember, I have suffered damages for emotional distress : chest constrictions ; shock ; loss of appetite ; crying ; nightmares ; insomnia, night sweats ; emotional paralysis ; inability to think or function ; headaches ; XXXX XXXX XXXX ; anxiety, nervousness ; fear and worry  ; XXXX ( XXXX XXXX XXXXXXXX XXXX ) ; stress to my children/family ; irritability ; embarrassment, humiliation ; indignation, and pain and suffering Respectfully, XXXX XXXX - CA resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation