Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX : On Saturday, XX/XX/XXXX, I entered into a sales agreement to purchase a vehicle. During the process, I informed the salesperson, XXXX, the finance XXXX, XXXX, and the general XXXX, XXXX, about my desire to use my trust to purchase the vehicle. They took it upon themselves to reach out for more information, claiming trust have never been used to purchase a vehicle, but the business department was closed. I was instructed to proceed with signing the consumer agreement and that someone would contact me with the business department 's response on Tuesday, XX/XX/XXXX. 

However, no one contacted me with a response. 

On Wednesday, XX/XX/XXXX, I visited the dealership to follow up on my inquiry. During this visit, the finance XXXX, XXXX XXXX XXXX, became aggressive, defensive, and disrespectful towards me ; she even attempted to defame my character. She raised her voice, snatched paperwork, and exhibited hostility simply because I was asking questions about financing and the use of my trust. During this time, I no longer wanted to enter into the sales agreement and XXXX XXXX agreed to have them bring my trade-in around front because I no longer wanted to enter the sales agreement. 

At this point, the general XXXX and another finance XXXX, XXXX, came into the office, reviewed the cameras, and then became very apologetic for the behavior displayed by XXXX XXXX. They promised to resolve the issue and they insured for a smooth transition ; but that did not happen. The deceptive business practices continued, and I was never offered a proper resolution. 

My concerns made known to finance XXXX, XXXX, and general XXXX, XXXX. I was even told that XXXX XXXX was fired for her behavior on that day, yet I was never offered proper resolution. 

While having issues registering my vehicle, due to the date discrepancies on the title application and the DMVs failure to find the application in the system, the XXXX told me to request the manufacturers certificate of origin from the dealership. XXXX XXXX claimed they could not provide this document, but did not. 

I had to call XXXX XXXX services to see if they could assist me with getting what I needed to register my vehicle, but I was told They are not affiliated with the dealership and could not make them provide the manufacturer certificate of origin although it should have been included in the with the sales agreement. 

Although I brought the discrepancies to the attention of the finance XXXX and the general XXXX, I was told it should not matter, I just got the wrong clerk. I had to go into the dealership, on the same date that I raise concerns about the check, and demanded that a new title be created. Initially, XXXX XXXX was not willing to create a new title application ; which caused for a delay in registration because XXXX would not accept the title application dated XXXX XXXX 

During the purchase process, I was provided with an assisted value for the vehicle of {$31000.00}. However, the actual value of the vehicle is significantly lower. as XXXX XXXX XXXX valued the vehicle at {$21000.00}. This misrepresentation of the vehicle 's value constitutes a TILA violation. 

Ive also been given XXXX different prices for my trade-in allowance, but was sent a {$42.00} check, that I did that cash, for supposed trade-in refund lien difference. the pricing explanation can not be accurate as there are XXXX different trade in allowances, of {$6500.00} and {$10000.00} with the trade in pay off amount of {$2100.00} ; but I received a {$42.00} check. I went into the dealership and concern of this check. It was told I would get an explanation, from general XXXX, XXXX, sent via postal mail. The explanation made no sense, it actually raised more concerned. 

Additionally, On XX/XX/XXXX, XXXX XXXX sent me a letter claiming that my factory warranty will end on XX/XX/XXXX, even though the vehicle was purchased brand new and is covered under a XXXX XXXX miles warranty. Once I received the letter, I had an inkling to call XXXX to ensure that at lease the gap addendum is active, but they do not have the addendum in their system. These actions are misrepresentations, concealment, deceptive and also a breach of fiduciary duties. XXXX XXXX is participating in deceptive business practices & fraud in itself by failing to fulfill said obligations and expectations. 

It also seems to be retaliatory acts and I require an explanation on why my factory warranty has ended and why my gap addendum was never sent to XXXX. This dealership actions are illegal, oppressive, and fraudulent acts that are unacceptable and warranted immediate attention & proper resolution. As of XX/XX/XXXX, until today, XX/XX/XXXX I have been fighting for a resolution for 212 days, and It is unacceptably negligent. 

This is a brief explanation of my concerns. I did not go into full detail, but I do have additional evidence if needed.

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