Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX XXXX conduct during and after my XXXX  XXXX bankruptcy as a follow up to a previous complaint, noted in the attached screenshot. 

I will present my issues in order of occurrence to clarify the timeline of events. 

Loan & Payment History - I financed my vehicle through XXXX XXXX and made all payments on time prior to filing for bankruptcy in XX/XX/XXXX. At no point before filing was I behind on the original car payments. All my payments were fulfilled within the pay period allowed ( including the 10 day grace periods allowed ). 

Bankruptcy Filing & Discharge - I filed for XXXX  XXXX bankruptcy, which included my auto loan with XXXX XXXX. The account was discharged in bankruptcy, meaning I was no longer personally liable for the debt. 

Post-Bankruptcy Conduct by XXXX - Despite the discharge, XXXX XXXX continued to charge me during and after my bankruptcy case. They did not negotiate redemption terms or move to lift the stay during my case. 

Refusal to Negotiate & Excessive Demand- When I attempted to address the account, XXXX refused to offer any reasonable settlement or payment arrangement. Instead, after my certified communication they demanded immediate payment of the full remaining loan balance, which was more than the actual market value of the vehicle at the time.By that point, the total payments I had already made on the vehicle from point of sale up until date of repossession exceeded its current fair market value. I was willing to negotiate with XXXX to settle the account for a fair amount, which is evidenced in the certified letter I sent to them in XX/XX/XXXX. Even with my communications, XXXX left no room for a fair payoff, leaving no room for negotiation and instead using threatening language to pressure me into signing paperwork that had already exceeded its legal timelines under bankruptcy law in order to bound me to their institution again in a seemingly predatory contract via their collection group, XXXX XXXX. They also did not have the automatic stay lifted to fairly move forward with their repossession of the vehicle. All of this information is evidenced in my previous complaint as seen in my attached screenshot. 

Repossession & Vehicle Status - XXXX  eventually repossessed the vehicle at approximately XXXX XXXX  on XXXX XX/XX/XXXX according to government officials months after my bankruptcy discharge. This action leaves room for presumption that the repossession was a retaliatory move, as I had filed a CFPB complaint regarding their conduct prior to the repossession.The repossession also occurred after the deadlines highlighted on the seemingly threatening demand letters had passed ; it's important to highlight that the vehicle had a few open manufacturer recall cases, as well as a stop sale issued by the XXXX in motion that made it unsafe and arguably ineligible for legal sale at that time. I believe this further complicates the legality of their repossession and resale. 

Inaccurate Credit Reporting XXXX XXXX XXXX is now inaccurately reporting this account on my credit report as : * Loan status : Paid in full / {$0.00} balance * Account status : Open This is misleading and inaccurate because : * The account was discharged in bankruptcy not paid in full. 
* After discharge, the account should have been closed, not listed as open. 
* The repossession and sale of the vehicle post-discharge should not result in an open status or paid in full notation. 

This misreporting negatively impacts my credit profile and fails to reflect the correct legal and financial reality of the account.

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