Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
XXXX XXXXXX/XX/XXXX response contains material contradictions and omissions that confirm inaccurate credit furnishing and an unreasonable investigation. 

Premature charge-off vs. cure deadline : XXXX  Notice of Default ( XX/XX/XXXX ) gave me until XX/XX/XXXX to cure {$1500.00}. 
XXXX admits they charged off the account on XXXX days before their own cure deadline. 

Charging off before the stated cure date is inconsistent with their notice and renders the subsequent charge-off reporting inaccurate. 
XXXX  days past due claim conflicts with their own numbers : Their Notice of Default shows XXXX XXXX XXXX Payments of {$1000.00}, which is XXXX monthly payments ( about XXXX  days ), not XXXX. Their justification for a XX/XX/XXXX charge-off is unsupported by their own figures. 

Ignored cure payment : I paid the cure amount on XX/XX/XXXX ( posted XX/XX/XXXX ). XXXX acknowledges receipt but refuses to reverse the charge-off. By their own notice, curing by XX/XX/XXXX should have resolved default status. 

Misrepresentation of account status : XXXX continued to accept my monthly lease payments for months while furnishing a ~ {$36000.00} charge-off and blocking my online portal solely due to their charge-off flag. Furnishing a charge-off while the lease remains active and current is inconsistent with the accounts actual status. 

Dispute handling failures : I sent a certified dispute on XX/XX/XXXX ; please see attachment as proof of delivery. XXXX sent the wrong tracking number in previous dispute. 

Contract terms : I signed a XXXX XXXX on XX/XX/XXXX stating the terms of the original contract remain as previously agreed upon. XXXX now admits the account remained a lease and was never convertedcontradicting what XXXX XXXX agents told me ( recordings retained ). 

Please explain the basis for reporting a ~ {$36000.00} charge-off equal to the cars value on an active lease that I cured before your deadline and have paid on time since. 

How can you charge off the full value of a leased vehicle when title remains with XXXX and my obligation is the stream of lease paymentsnot the cars value? 

A lease is not a loan. There is no principal equal to the vehicles value to charge off, especially where I cured by XX/XX/XXXX and the lease was never terminated. 

Your own response says the account remained a lease and was never converted. On what basis are you furnishing a ~ {$36000.00} charge-off as if this were a financed balance? 
If the lease wasnt terminated and no deficiency was calculated after disposition, how is a full-value charge-off consistent with Section XXXX of the lease ( XXXX XXXX XXXX minus Realized XXXX )? 

XXXXXXXX XXXX XXXX XXXX told me they would have to sell the car first and I would be responsible for the rest of the full value of the car. That position is inconsistent with a lease and with XXXX  own letter admitting the account has remained a lease. Under the lease ( see Section XXXX, Early Termination ), any balance after termination is calculated by formula ( Adjusted Lease Balance minus the Vehicles Realized Value ), not by making me responsible for the entire vehicle value. I cured the default by XX/XX/XXXX and have paid monthly since ; there was no valid early termination at charge-off, and XXXX continued XXXX my payments. Demanding the full value or furnishing a ~ {$36000.00} charge-off while the lease remains active is inaccurate, misleading, and an unfair/deceptive practice. 

Harm : Significant credit score damage ; denials for credit and housing ; higher borrowing costs ; recurring {$6.00} phone-payment fees due to portal disablement ; emotional XXXX.

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