Quick Answer: TransUnion complaints about inconsistent dispute handling appear valid based on this case where identical lease disputes resulted in removal for one party but denial for another. The consumer and guarantor both disputed the same incomplete apartment lease debt, yet TransUnion removed it from the guarantor’s credit report while refusing to remove it from the consumer’s report.
Date Received: 2018-06-11T00:00:00
Product: Other debt
Issue: Attempts to collect debt not owed
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Consumer Complaint: I am connected to CFPB complaint number XXXX, filed by XXXX XXXX XXXX, an issue concerning an incomplete lease contract for which I was the guarantor. The apartment community, XXXX XXXX XXXX XXXX XXXX, FL, contacted the guarantee and told her that she had not completed a full lease and needed to sign a final copy of the lease in order for it to be complete and to be able to move in ( there is a voicemail and screenshot of the day the call was received attached ). Having been told by property management themselves that she never finished a required portion of the lease to be liable, she never moved in, nor did she receive keys to the property.
However, XXXX XXXX XXXX falsely reported to the creditor, XXXX XXXX XXXX, that we had signed a full lease and were liable for the entirety of the rent, a claim the guarantee, XXXX XXXX was able to dispute with Transunion and get completely removed from her credit history. As the would-be guarantor and after filing a dispute over the same issue, Transunion would not remove this very same issue from my credit report. The claims were unfounded, and again, it is the exact same claim that was disputed and ultimately removed from the guarantees credit history. I am asking that Transunion remove this false charge from my credit history, since the other claimant involved in this dispute was successfully able to do so after being found not liable for the amount the property falsely reported to the creditor. The claim the property made was deemed unfounded by Transunion and the guarantee was found to owe nothing to the property, as should be the case for myself as the guarantor as well. The Transunion dispute number for XXXX XXXX is XXXX, and the notification sent from Transunion that the charge had been removed is also attached.
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State/Zip: MD 209XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2932202
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
