Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Transform Credit Inc.
State: GA

Complaint narrative:
Im filing this complaint to formally report a deeply distressing and discriminatory experience I had with the original creditor, Transform Credit and to seek regulatory assistance in resolving ongoing emotional harm, data exposure concerns, and unjust treatment. 

On XXXX approximately XXXX I received a call regarding my loan, when a Transform Credit representative by the name of XXXX began speaking to me in an extremely unprofessional, condescending tone when I explained my payment circumstances. I stated that I felt I was being harassed and expressed how frustrated I was with the process, comparing it to dealing with the IRS because of how demeaning this company is when communicating to you about your loan. 

Thats when the representative told me I didnt have to " get ghetto. He repeated the word ghetto and continued to speak over me in a highly demeaning, aggressive manner. I asked him for clarity if thats the word he really wanted to use and he confirmed. I replied by stating that I am a XXXX woman and this feels racially charged. The representative then next states that he was also a XXXX man minimizing the fact of ghetto is a slur. The moment was shocking, humiliating, and traumatizing especially coming from someone in a position of power during a financial discussion. This wasnt just unprofessional. It was racially charged verbal abuse. 

I contacted Transform Credit to report the incident immediately and after some delay of a few moments, I received confirmation that the employee was terminated for violating company standards. This is a critical admission that misconduct occurred. The employee was fired within 1 hour of me sending my complaint upward.

However, since that time : - Transform Credit has refused to offer any compensation or even acknowledge the emotional harm and humiliation caused. 
- They have refused to remove the loan tradeline from my and my co-signer 's credit reports, despite acknowledging their employees misconduct. 
- They continue to contact me as if nothing happened, sending automated reminders about payment, including a recent offer to extend the loan, when that has never happened during the duration of this loan and completely ignoring the gravity of what occurred. 
- They have downplayed the event by claiming the agent only said the word once ( which is inaccurate ), and dismissed my entire complaint as " closed. '' Additionally, I raised serious concerns about the security of my personal data this fired employee had full access to my sensitive financial and identifying information. Yet the company has not offered any transparency into their data-handling practices, nor have they explained how they plan to ensure my data was not copied, exported, or misused by this former employee. This may potentially violate the Gramm-Leach-Bliley Act, especially in light of their failure to assure me of appropriate safeguards beyond revoking his access post-termination. 

When I attempted to push further, they sent a cold, dismissive response claiming : - That theyve broken no laws ; - That my experience was unfortunate but irrelevant to the contract ; - And even included an insulting caution not to rely on AI tools for legal advice, which I believe was a tone-deaf and irrelevant deflection to avoid real accountability. 

This treatment has caused serious emotional distress and Im still deeply concerned about the privacy and security of my data. I believe their failure to offer corrective action beyond firing the employee is not only irresponsible but leaves consumers like me vulnerable and silenced. 

Laws Potentially Violated : - UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) The conduct and the companys lack of resolution constitute abusive and harmful business practices. 
- Equal Credit Opportunity Act ( ECOA ) Racially charged language used during a credit-related interaction can rise to the level of discrimination.

- Gramm-Leach-Bliley Act ( GLBA ) No transparency or assurance was provided to confirm my data wasnt mishandled or compromised by the now-terminated agent.

- Fair Credit Reporting Act ( FCRA ) Refusal to remove tradelines despite an incident that calls into question the validity and ethical standing of the account.

Company response to consumer: Closed with explanation