Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this report due to Transunion  XXXX XXXX, XXXX reporting outdated information from my Transunion report. This outdated information has caused me to be denied for homes that I should qualify for. I am requesting that Transunion XXXX XXXX, XXXX obtain information from my most recent, up to date credit report and to fairly screen me for homes that I apply for. 

The first application I submitted was on XX/XX/2021. The denial reasons were as follows : -too many different phone numbers reported -insufficient payment activity -too many inquiries -too few bankcard accounts The letter also stated that a credit score provided by Transunion was XXXX. 

I did my due diligence and cleaned up my credit. 25 of the 27 inquiries were removed. Any old phone numbers that were showing on my credit report were removed. All negative payment reports and items were removed. My current FICO score with Transunion is XXXX. My current XXXX  XXXX with Transunion is XXXX. I am well aware that the XXXX score  is completely different than fico and XXXX  XXXX. I am also aware of the fact that the resident  score  is formulated from the information obtained from the current Transunion report. If my credit report has drastically changed why is the denial reasons not changing, and why is the resident  score not changing? 

My consumer rights are being violated because Transunion XXXX XXXX, XXXX is not using information from my most up to date credit report. I am requesting to be rescreened and for the information on my up to date Transunion report to be considered when making a recommendation to XXXX XXXX or any other company that uses Transunion XXXX XXXX for tenant screenings. I am also requesting for an updated recommendation letter be emailed to myself as well as XXXX XXXX. I am requesting this to take place immediately as the homes are being rented to other applicants extremely fast. 

Application Number XXXX XX/XX/2021 Application Number XXXX XX/XX/2021 Application Number XXXX XX/XX/2021 XXXX The original date for the second application I submitted was XX/XX/2021. When I submitted an application on that particular date I received a denial email which contained the exact denial letter ( same date and application number ) from XX/XX/2021. It wasn't until after I contacted customer service that I received a new denial letter ( application number XXXX ). I have contacted Transunion XXXX XXXX and spoke with several different reps, all of whom have told me conflicting information. One rep by the name of XXXX went as far as submitting a false dispute for an account on my credit profile that is in good standing. The calls are recorded, and the recording will show that I never said I was disputing an account. I have always called in and simply said I am disputing the fact that out of date information is being used to formulate the XXXX  screening and! I have spoken with a supervisor by the name of XXXX twice. I have his employee id if it is needed. XXXX informed me that Transunion XXXX XXXX and Transunion XXXX uses the same software to do tenant screenings. Transunion XXXX XXXX continues to send denial letters stating that my resident  score is XXXX. Transunion XXXX shows that as of XX/XX/2021 my resident  score is XXXX. If the statement supervisor XXXX made is true why is there such a huge discrepancy in the resident  score? XXXX also stated that he created an investigation into this matter. He provided me with the case number 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