Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and its debt collection law firm XXXX XXXX XXXX XXXX ( acting on their behalf ) due to inconsistent and potentially deceptive credit reporting, as well as false claims made in response to my previous complaint. 

XXXX XXXX verified the loan balance on my credit report as accurate on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, through both the CFPB and TransUnion. However, shortly after I was served with a lawsuit on XX/XX/XXXX, XXXX XXXX suddenly changed the balance on XX/XX/XXXX, without any explanation or notification. This contradicts their previous verifications and raises serious concerns under the Fair Credit Reporting Act ( FCRA ). 

In their response to my CFPB complaint, the debt collection law firm representing XXXX XXXX stated that I failed to update my address. This is false. I had already informed XXXX XXXX via email, and over the phone that I was XXXX XXXX XXXX XXXX XXXX and instructed them to contact XXXX XXXX if needed, I have that email that I sent to XXXX XXXX. XXXX XXXX indeed has that address on file. 
The vehicle was repossessed from that very addressshowing they were aware of its significance. 

Despite knowing I was XXXX XXXX XXXX XXXX, despite having XXXX XXXX address where the vehicle was located, XXXX XXXX never sent me any email notices regarding the repossession, nor did they contact or notify XXXX XXXX. The only reason I know about this balance is because I XXXX XXXX XXXX XXXX XX/XX/XXXX, and saw it on my credit report. And thats when I started disputing the inaccuracies, and unlawful practices. Their claim that proper notices were sent is misleading, and their attempt to blame me for not updating my address is untrue, because there was no address that needed to be updated. It was the same address XXXX XXXX had on file, along with my email. 

Additionally, the debt collectors response to my complaint attempts to distance themselves from the credit reporting issue while still defending XXXX XXXX  actions. Their response includes material misrepresentations and omits key facts such as my documented communication and instructions. This creates confusion and further undermines the transparency and legality of this process. 

I am requesting the CFPB investigate both XXXX XXXX and their debt collection law firm for : XXXX. Inaccurate and suspicious changes to credit reporting following verified submissions and legal action ; XXXX. Failure to provide proper notice of repossession despite clear instructions and active communication ; XXXX. False statements and misrepresentation by the debt collector, which may violate debt collection and consumer protection laws ; XXXX. Potential violations of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

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