Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX XXXX XXXX for its repeated failure to provide legally required loan documentation and for engaging in practices that may constitute violations of multiple federal consumer protection laws. 
Background : I have made formal, written requests to XXXX XXXX XXXX XXXX for complete documentation related to my auto loan account, opened on XX/XX/year>, under account number XXXX. Despite my efforts, XXXX XXXX has refused to provide the full set of documents to which I am legally entitled. 
Documents Requested ( and not provided ) : Original signed loan agreements ( including all pages ) Full payment and transaction history Monthly account statements ( itemizing fees, charges, and adjustments ) Payoff statements including full balance breakdowns Securitization information ( including CUSIP numbers, assignments, and trusts ) Records of loan transfers, assignments, and securitization into REMICs or SPVs Credit reporting records submitted to XXXX, XXXX, and TransUnion All internal and external correspondence regarding the accounts Insurance records, including details of any force-placed policies Legal Concerns : XXXX XXXX failure to provide these documents raises serious questions and may constitute the following legal violations : Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ) : Failure to disclose assignments or transfers of ownership of the loan, including securitization into trusts.

Fair Credit Reporting Act ( FCRA ) : Potential inaccurate, incomplete, or unverifiable reporting to credit bureaus. 

XXXX XXXX ( XXXX ) : Potential misuse or mishandling of personal financial information. 

Fraudulent XXXX & XXXX of XXXX : XXXX misstatements of balances, failure to honor settlement terms, and possible wrongful attempts to collect on charged-off or securitized debt. 
Failure to Release Liens : XXXX XXXX has allegedly refused to release the lien on the vehicle despite no current financial interest or valid claim to the asset. 
Unjust XXXX : Retaining proceeds or ownership rights without rendering services or holding legal interest in the account. 
Requested Action : I respectfully request that the CFPB : Initiate a formal investigation into XXXX XXXX XXXX XXXX 's handling of my account and their refusal to provide full documentation. 
XXXX XXXX XXXX to furnish all legally required records and disclosures. 
Take appropriate enforcement action for any verified violations of TILA, FCRA, or other federal regulations. 
Ensure that my consumer rights are fully restored and that any wrongful credit reporting or collection efforts are immediately ceased. 
I am also forwarding this complaint to the Office of the Comptroller of the Currency ( XXXX ) and the Illinois Attorney Generals Office for additional review and oversight. 
Please confirm receipt of this complaint and advise on the next steps in the resolution or investigation process.

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