Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year>, made my payment and received my payoff amount. Told XXXXXXXX XXXX XXXX XXXXXXXX XXXX who is in collecting department as well as XXXX who is the XXXX of accounts. XX/XX/year>, I sold my care of XXXX XXXX XXXX in XXXX XXXX. Have all documents car was sold. I let XXXX XXXX XXXX immediately on XX/XX/XXXX that the car was sold and told them it would take two weeks maybe three and I would no longer be liable for the car because it was no longer mine it was bought by dealership. On XX/XX/year>, the XXXX XXXX which houses XXXX dealerships were hacked, and their systems went completely down. No employee was getting paid, no payments for bought cars were being sent out or written, cars that were in inspection, repair took weeks to get back, buyer deals were not getting funder as my son bought a car the same day that they traded mine in for his car which was XX/XX/XXXX. Due to the hack for XXXX  he was supposed to make his first payment on XX/XX/XXXX from the purchase on XX/XX/XXXX and my payoff was supposed to be paid to XXXX  XXXX XXXX by end of XXXX. This entire time the XXXX XXXX was down was almost XXXX weeks into XX/XX/XXXX but I did not know that. My car was bought on XX/XX/XXXX for total amount to XXXX  XXXX XXXX so I thought it was all being taken care of I knew nothing about the XXXX affecting the dealerships for weeks let along for a month or that my payment would be held up. I DO NOT WORK THERE, I DO NOT NEED TO ASK QUESTIONS MY CAR WAS SOLD ON XX/XX/XXXX AND WHATEVER HAPPENED ON XXXX XXXX END WITH THE CDK HACK AND TAKING THEIR ENTIRE DEALERSHIP DOWN IN EVERY WAY ALONG WITH XXXX MORE I WOULD NOT KNOW. In my defense I left my car with them on XX/XX/XXXX with the total amount plus {$50.00} more they put on there. XX/XX/XXXX or abouts I got a call from XXXX asking about my payoff. At that point I said you should have received it what is going on, I called XXXX XXXX and spoke with XXXX XXXX the finance guy who did the paperwork and he said, " they should have received that already, let me call you back ''. XXXX called me right back and let me know due to the XXXX being hacked no checks went out, no inventory could be purchased, no cars were being fixed and any buyer loans were pushed back until XX/XX/XXXX for payment. He said he would walk over and get a check, a copy etc and get it out. At this point again, my payoff of my car was in limbo because of this, I was not asked for payment because I no longer was the car owner, nor should I have paid. DUE TO THE CDK HACK out of my control and HURRICANE BERYL at the same time which PUT OUR ENTIRE CITY OF XXXX INTO DEVASTATION FOR weeks without power, people XXXX, no food, no gas. During the time that CDK Global was hack, see attach uploads which I did not know how long they were non operable or that my check could not be sent OUR CITY OF XXXX WAS DECLARED A NATURAL DISASTER BY THE GOVERNOR OF XXXX  XXXX AND THE XXXX XXXX XXXX XXXX. My car was sold XX/XX/XXXX, XXXX XXXX was hacked for a month and middle of a XXXX of XXXX XXXX. My car was no longer mine not to mention we were in a STATE OF EMERGENCY. I received an email from XXXX after letting her know ALL of this and she said she received the check on XX/XX/XXXX which she did not post until XX/XX/year>. On XX/XX/XXXX my Transunion report dropped XXXX points for XXXX XXXX!!!!!!!!!! After I had never had a bad mark, the car was sold and did not owe a payment, CDK Global for XXXX dealerships were hacked and shut down all systems and an EMERGENCY STATE OF DISASTER!!! There is absolutely NO REASON or ETHICAL WAY that a dealership who HAD YOUR PAYOFF IN THEIR HAND, KNOWS IT WAS SOLD, KNOWS ABOUT THE STATE OF DISASTER AND CDK GLOBAL HACK SHOULD HAVE EVER ALLOWED MY ACCOUNT TO GO TO MISSED PAYMENT!!! FOR XXXX SAKE I HAVE BEEN THROUGH ENOUGH AND DID NOT EVEN KNOW THAT THE PAYMENT WAS HELD UP MY CAR WAS SOLD IT WAS NO LONGER MINE TO KEEP UP WITH AND ON TOP OF IT WE WER IN THE MIDDLE OF A HURRICANE TRYING TO FIND PLACES TO LIVE HUNDREDS OF MILES AWAY BECAUSE EVERYTHING WAS SHUT DOWN. This should have never went against me THEY HAD RECEIVED THE CHECK and I disputed it and emailed Grace on XX/XX/year> and let her know ALL of this again and told her Transunion told me when I called them that they had sent the dispute to her XXXX weeks ago. I asked XXXX in the email if she received it and she said yes. She went on to say that because it was late it was reported however she had just told me via phone weeks before that when she received the dispute she would remove it and correct it because they could not go back in their system and delete it they had to wait until the credit bureau sent the dispute that I filed and she told me to. Now XXXX is saying I was late. FOR XXXX XXXX WE HAD A DISASTER THAT SHUT OUR CITY DOWN, THE CDK THAT HOUSES XXXX, XXXX DEALERSHIPS WERE DOWN TOO. I was going though enough not to keep up with what they were trying to do because remember the dealership that paid it off XX/XX/XXXX also was in STATE OF DISASTER not just the CDK HACK. Our city took a bad beating. XXXX  XXXX XXXX should have never ever allowed that to sit on my report. Grace should have deleted and removed as she said she would when the dispute came to her. NOT TO MENTION A STATE OF EMERGENCY DISASTER DELCARED BY GOVERNOR AND PRESIDENT SHOULD BE VALID ENOUGH NOT TO EVER PENALIZE SOMEONE!!!!!

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