Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year> I took a loaner instrument for my daughter 's band flute while her instrument was at XXXX  XXXX XXXX, a XXXX affiliate, being repaired. On the last day of school my daughter gave the flute to the employee of XXXX XXXX XXXX that comes to the school to exchange the instruments. So from XXXX until XX/XX/year> I was not in possession of either flute. In XXXX they sent me a termination letter. When school started back up I returned to the XXXX XXXX to get a flute for my daughter and they told me that they still have her same flute and that the loaner was indeed returned and I could come by and pick up the flute. They also told me that I should not have had any charges while the flutes were not in my possession and that the payments would resume as they were before. I continued to make my monthly payments then one day I got an alert on my credit report that I was 120 days past due. I have been disputing this ever since. I spoke with the manager of XXXX and they said they had no record of any loaner being taken out or returned and that if I could find the paper they gave me 6 months prior and proof that the loaner was returned then they would delete the late payments. The XXXX XXXX informed me that they don't keep any recorded for more than 30 days since it is all transmitted and stored with XXXX. But when I call XXXX, they don't have these records either. It is their responsibility to keep these records on file, especially if they are reporting to the credit bureau, even if it is improperly. I have been requesting any kind of records from them since XX/XX/year> in an effort to get the inaccuracy deleted from my credit report. Beyond that, I did not give consent for them to access my credit report or did I open this account knowing that they would report to the credit reporting agencies. They never reported to the credit bureaus until the account was reported as 120 days late. They are still actively reporting on my credit of the accounts ongoing history. I do not know this to be in any agreement that I made and I feel they are being predatory, misusing my personal information, improperly reporting on my credit report and refusing to provide validation for the information that is being reported. I decided to pay off the flute in full. After the payment was received by them, I reached out in hopes of resolving this matter. XXXX then told me that my rental contract was extended for another year and that I still owed them more money! Even though I paid them what the asking price was to own the flute out right. After the conversation with XXXX, I called the XXXX XXXX  and they told me that I had indeed paid my account in full and that I owned the flute out right. And that they were trying to find the records that XXXX has been requesting to prove the loaner flute was returned to the XXXX XXXX at the end of XX/XX/year>.

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