Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8282344
Complaint Overview
Complaint ID: 8282344
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Georgia
ZIP Code: 30349
Date Received: 2024-02-04T12:00:00-05:00
Date Sent to Company: 2024-02-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : XXXX XXXX XXXX XXXX Account number # XXXX i wanted to just update my consumer report with said company on all XXXX consumer reporting agencies. their replay was While we do understand your request was to change the information being reported, based on a thorough review of your account, no update will be made to the information being reported. Regarding your statements of a Charge Off being considered income, we respectfully request that you discuss these issues with a tax professional, as we are unable to offer tax advice. So I did and this is what i found XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia may be in violation of FCRA, SECURITY EXCHANGE ACT 1934, AND TILA. Unfortunately after further investigation we may be dealing with security and dealer fraud. According to the Retail installment agreement we agreed to arbitration on all parties. On page XXXX of the Retail installment agreement states ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. See attachments : This was a Consumer credit transactions which ( i ) the natural person incurs an obligation primarily for personal, family, or household purposes, a security interest secures the obligation, and the collateral is held or acquired primarily for personal, family, or household purposes. The term includes consumer-goods transactions, But was charged a " Cash '' down payment that XXXX XXXX didn't not require. As I take my credit and family 's well being very seriously please rectify this matter. Refunds to consumer as part of the credit transaction. Any amounts of this nature already paid by the consumer must be refunded. THIS IS NOT AN ATTEMPT TO CANCEL THE RETAIL INSTALLMENT AGREEMENT, I am NOW invoking my right of rescindment of your company security interest from all my insurance filing and selling on said securities and also the right for repossession of collateral, late fees and third party filings. since you did not provide the proper paperwork Under section 1026.23 Right of rescission. ( a ) Consumer 's right to rescind. ( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period. ( 2 ) To exercise the right to rescind, the consumer shall notify the creditor ( your company ) of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. I appreciate your attention to this matter and look forward to your prompt response
Frequently Asked Questions
What is Complaint #8282344 about?
Complaint #8282344 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-02-04T12:00:00-05:00.
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.