Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I applied to a housing company called XXXX XXXX and my application was denied by Transunion Rental Screening. The reasons for denial was Not enough available credit on revolving accounts, now from my understanding on XXXX XXXX how much your credit cards are worth do not play a factor in the decision to deny or approve your application but TransUnion denied me for this factor. The information that can be found on what constitutes your application being approved or denied is on their website at https : /XXXX XXXX. The second reason for my denial was a recent balance over limit for a bank card. I have no bank cards that is over limit. The third was derogatory accounts which i also have none of those especially considering i have a XXXX bankruptcy on my credit and most of my accounts were covered in the bankruptcy and according to XXXX XXXX  website as long as there is no open bankruptcies you still qualify to rent from them. The last denial reason was to many inquiries which i have not given anyone permission to make any inquiries on my credit report at all since i applied with the XXXX at the beginning of this year so one inquiry should not have denied me. Upon all this i pulled my credit report and found out there were a lot of fraudulent accounts on my report. I then proceeded to dispute those account with Transunion credit bureaus and TransUnion Rental company as well. I was told by the supervisor XXXX whose ID number is XXXX that they had processed the dispute since i sent them a copy of my FTC report and the decision was over turned but the company keeps sending them the same application for the same exact date of XX/XX/XXXX application number is XXXX. That the company needed to send them a new application over for the current date so that it can generate a new decision. Applications with XXXX XXXX are good for 30 days so i then contacted the leasing agent i have been dealing with which is XXXX XXXX and her supervisor XXXX XXXX XXXX XXXX informed me that she had reached out to XXXX who is a leasing manager and he stated that Transunion is still sending them the same results with the same denial reasons that the decision has not been over turned even though they told me it was. I have been back and forth on the phone with TransUnion Rental Screening Solutions daily since XX/XX/XXXX and have been getting the run around since they received my FTC report. I feel as if they are not trying to process the dispute and not trying to overturn the decision like they should and just keep telling me they have to get me off the phone with them and to stop calling. XXXX from XXXX XXXX had contacted me again and told me that she was told to have me reapply again which means for me to reapply i would need to pay {$50.00} all over again and I should not have to considering the fact my application is good for 30 days and it does not expire till XX/XX/XXXX. That is also stated on XXXX XXXX website that applications are good for 30 days so for me to reapply Im paying them double and missing out on more money when that shouldnt be the case. Someone is not following the laws and is not doing their job correctly and Im getting the last end of the stick and being held responsible for accounts not legally mines and they have all the proof that they do not belong to me. My case number for the dispute with TransUnion is 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 explanation