Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint because XXXX XXXX is reporting a repossession and derogatory late payments for a vehicle that was mechanically defective, unsafe, and acknowledged by the dealer as a lemon. The lender agreed that I was entitled to a refund, and this was communicated to me directly before I became unable to continue follow-up due to personal hardship. 
Details of the Issue The vehicle suffered a catastrophic safety failure ( wheel separation ) that caused the car to lose control while in motion, making it unsafe and undriveable. The police ultimately seized the vehicle for safety reasons, not due to non-payment. This was not a repossession. 
I immediately contacted XXXX XXXX. Their staff acknowledged the defect and confirmed that I was eligible for a refund and that the sale would be reversed due to the safety issue. Despite this, XXXX  XXXX continued to report the account as : Repossession Derogatory XXXX  Days Late Why This Reporting Is Inaccurate This information is factually false, unverified, and misleading. A defective, unsafe, undriveable vehicle that was seized by police for safety reasons can not legally be reported as a repossession or delinquent account. XXXX XXXX  own acknowledgment of the defect and promised refund confirms that the account should not have been reported as a repossession. 
Laws Violated This inaccurate reporting violates : FCRA 602 ( A ) Right to accurate and fair credit reporting FCRA 607 ( b ) Duty of furnishers to provide complete and accurate information FCRA 611 Consumers right to dispute unverified or inaccurate information Metro-2 Compliance Violations XXXX XXXX XXXX XXXX violating Metro-2 reporting standards, which require : Reporting only verified, factual account statuses Correct classification of loan events Prohibition against coding repossession or delinquency when the vehicle was not repossessed Prohibition against reporting unverifiable or misleading derogatory information Under XXXX guidelines, XXXX XXXX can not report : A repossession code when the consumer did not default Delinquency codes during periods when the vehicle was inoperable due to defects Any derogatory status when the account is under promised refund or buyback review The information XXXX XXXX  is furnishing can not be verified, does not match the actual events, and does not meet XXXX accuracy requirements. 
Request for Resolution I am requesting that XXXX XXXX be required to : Delete the entire auto loan account from XXXX XXXX  and TransUnion due to inaccurate and unverifiable reporting. 
Remove all negative remarks, including : Repossession Derogatory status XXXX Days Late Provide written confirmation to me that the account has been removed. 
XXXX XXXX acknowledged the defect and promised a refund, but they never corrected the credit reporting. This ongoing inaccurate reporting continues to cause harm, and CFPB intervention is necessary to resolve this.

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