Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12171971
Complaint Overview
Complaint ID: 12171971
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Connecticut
ZIP Code: 06511
Date Received: 2025-02-21T12:00:00-05:00
Date Sent to Company: 2025-02-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the charges and collection account associated with my lease at XXXX XXXX ( XXXX XXXX ). The unit I was promised before signing my lease was a stainless steel model with new carpet and modern amenities, yet upon move-in, I was placed in an older unit without these promised features. This constitutes misrepresentation and breach of contract under Michigan landlord-tenant law. Due to this misrepresentation, I vacated the apartment after paying for the month I stayed, yet I am still being improperly charged and sent to collections. Additionally, I am being wrongfully charged for not painting the walls or cleaning the carpet, even though I paid for professional painting services and have receipts, along with video proof of the unit being cleaned before vacating. These charges are unlawful based on the following 1. Breach of Contract & Misrepresentation Under Michigan law ( MCL 554.601 554.616 ), landlords must provide tenants with accurate lease terms and can not engage in fraudulent or deceptive practices. Since I was placed in a unit that did not match what was agreed upon, my lease should be considered void or terminable without penalty. 2. Michigan Truth in Renting Act ( MCL 554.631 554.641 ) Landlords can not make misleading statements about rental conditions before signing a lease. Any lease clause that contradicts Michigan rental laws is unenforceable. 3. Michigan Consumer Protection Act ( MCL 445.901 445.922 ) If a business ( including a landlord ) engages in false advertising, deception, or unfair business practices, the tenant has grounds for relief. The act prohibits businesses from misrepresenting goods or services, which applies to rental agreements. 4. Fair Debt Collection & Credit Reporting Laws Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), inaccurate or unfair debt reporting is illegal. If XXXX XXXX or its collection agency can not prove the validity of this debt, continuing collection efforts or reporting this to credit bureaus would be a violation of federal law. Requested Resolution I request the immediate removal of this collection account and any outstanding charges. If this matter is not resolved, I am prepared to escalate my dispute by : Filing formal complaints with the Michigan Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and HUD. Taking legal action for damages under MCL 445.911 of the Michigan Consumer Protection Act. I expect written confirmation that this debt has been removed within 14 days of this letter. Please direct all future correspondence to me in writing.
Frequently Asked Questions
What is Complaint #12171971 about?
Complaint #12171971 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-21T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.