Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Companies providing wrongful and inaccurate information XXXX, XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX applied for an apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and was inaccurately denied on the above date, in the adverse action letter that was provided to me, and the reason they based the decision for denial, I'm disputing XXXX XXXX reasons for denial based on the inaccuracy of their screening, other than the requirements used to effectively cause a denial or approval based property Mgmt requirements, the credit bureaus are providing inaccurate information on my screening report Based on XXXX XXXX screening their results or reasons for a denial were inaccurate and other reasons used to give a denial were not based on property mgmt XXXX XXXX requirements accurately for the denial of my application to obtain a residence at XXXX XXXX, XXXX XXXX  provides documents for the reasons for their denial 1. requesting that XXXX XXXX provide reasons for the denial of my application. 

2. Also, provide the requirements of XXXX XXXX 

3. What requirements are being alleged that the applicant didnt meet for approval? 

4. The stated reasons for denial are based on XXXX XXXX XXXX  requirements. 

5. Provide documentation of what applicants ' application screening is done by XXXX XXXX consisting of to determine a denial 6. XXXX XXXX XXXX requirements when processed for a screening that will cause a denial or approval based on I will briefly explain why their decision/ reason for the denial was inaccurate, I will also be providing documentation for the inaccurate denial, which I was provided by XXXX XXXX I will also provide you with how XXXX screening decision during the screening of my Application at XXXX XXXX XXXX to receive a denial, then i will also give reasons for each dispute, and why they based their decision inaccurately according to the FCRA XXXX and regulations, or the requirements of the property mgmt at XXXX XXXX XXXX XXXX XXXX decision for the denial was inaccurate and not legible based on what is stated in their Adverse Action letter, I will provide several reasons and exhibit why their decision or reason for denial was inaccurate and insufficient and was viewed insufficiently for their denial and was negligent in their decision, I will provide details of why the application should have been approved Please provide sufficient legitimate reasons for the denial of the application at XXXX XXXX XXXX The reasons used were false for the denial to occur according to XXXX XXXX requirements, i do meet the requirements Please provide how your screening was performed and provide the requirements of XXXX XXXX XXXX XXXX requirements to apply To apply as a leaseholder, applicants must present a valid government-issued photo identification card for each person age 18 or older. Additional identification may be requested. 
Applicants must collectively have and provide verifiable income in an amount not less than 3 times the rental rate. 
This proof of income can be a letter of employment including the start date, position, and annual income ( If you are self-employed, please provide us with your two most recent tax returns ), one month worth of the most recent pay stubs in PDF form. 
There is a non-refundable {$80.00} application processing fee required for each applicant. 

Exhibit A : XXXX reason for denial- Adverse Action Letter Your individual result was affected by : Civil Court History Does Not Meet Property Requirements Severe level of Charge-offs Insufficient Income to Support Rent High level of late credit payments Denials/Disputes Civil Court History Does Not Meet Property Requirements XXXX XXXX decision for the denial was inaccurate and not legible based on what is stated in their adverse action letter Upon a Background Check on the Civil Court History there are no civil actions that are allegedly pending against me indicating no money owed, XXXX XXXX XXXX XXXX XXXX XXXX Based on the filing done by XXXX XXXX XXXX XXXX XXXX XXXX they reporting are inaccurate information to the credit bureaus that they have filed a claim against me in civil court, which judge have not Made a decision or issued an order for the applicant to return to court until its proven who has legal authority or possession of the XXXX XXXX XXXX XXXX has also entered inaccurate information on my credit report they stated I owe a negative balance for the vehicle is XXXX the order civil court was not issued to the applicant due to the fact that XXXX XXXX XXXX XXXX have to a bond exceeding the amount of the truck, or be able to able to obtain an amount of more than what the truck is worth the correct amount that's owed to XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX stated that I owed an amount of XXXX XXXX which they labeled as a charge off, which is also in dispute with the courts and the credit bureaus, for reporting inaccurate information to credit bureaus, based on the discretion of the courts against plaintiff which is XXXX XXXX XXXX XXXX  seeks retaliation on the applicant for not accurately proving their claim and not being heard, Which i will be providing all documentation as verification for the reasons my disputing the inaccuracy of XXXX XXXX screening report Civil Court Case XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The civil filing with the property XXXX XXXX at XXXX has been paid and dismissed as they were dismissed by XXXX XXXX and was erased by the credit bureau XXXX. 

Exhibit : XXXX XXXX  reason for denial Adverse Action Letter Insufficient Income to Support Rent Which i will be providing all documentation as verification for the reasons my disputing the inaccuracy of the XXXX XXXX screening report The property at XXXX XXXX have updated my income requirements in their system property XXXXanager stated that it didnt have anything to do with my income, I have an income of XXXX annuities monthly from XXXX XXXX XXXX XXXX social security monthly in the amount of XXXX XXXX XXXX XXXX XXXX XXXX for denial Adverse Action Letter Severe level of Charge-offs There is a charge-off on my credit report from XXXX XXXX XXXX XXXX which is inaccurate information that is under dispute with the credit bureaus, which they are refusing to move, Please provide other reasons Exhibit D XXXX XXXX reason for denial Adverse Action Letter High level of late credit payments I do not have a high level of late payments where information is also inaccurate reporting to the credit bureaus which is disputed I have a lot of positive payments the stuff that's being reported is fraudulent or I will file a lawsuit,

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 non-monetary relief