Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
STATEMENT OF FACTS FOR CONSUMER FINANCIAL PROTECTION BUREAU  COMPLAINT PAGE 1 OF 2 State of New York ) County of XXXX XXXX ) ss. : I, XXXX XXXX. XXXX, being duly sworn, deposes and says that I am the person in this Statement Of Facts For CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter, CFPB ) facts therein, and the foregoing  subjects and matters. That I have read the foregoing Statement Of Facts For CFPB Complaint and know its contents ; the same is true and correct to my knowledge, except as to those matters therein stated to be alleged on information and belief, and as to those matters, I believe it to be true. 

I, XXXX XXXX. XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C. Section 1746, that the foregoing is true and correct. 

1. That I am the person named in the foregoing Statement Of Facts For CFPB Complaint. 
2. That I reside at : XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, NY XXXX. 
3. That the last four/4 digits of my Social Security Number are : XXXX. 
4. That this Statement Of Facts For CFPB Complaint are to report/complain about, contest, etc., the refusal of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, [ RE : ] Adverse Action Notice, Reference ID : XXXX, Dated : XX/XX/XXXX, Tel. : XXXX, and XXXX, and, XXXX XXXX, XXXX COMPLIANCE DEPARTMENT, XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, CA XXXX, Tel. : XXXX ( hereinafter, XXXX ) [ AS REFERENCED IN THE ABOVE INDICATED/REFERENCED XXXX LETTER ) ( hereinafter, XXXX, in the/its totality of the stated name, address, references/subject, author, telephone number ) ( see herewith attached as, Exhibit # 1 ) to send me a letter of deletion/deletion letter as regards the below stated/indicated/referenced, etc., denial of car/auto/automobile loan application as evidenced in XXXX above indicated letter, and for such loan application denial to be removed/expunged/nullified/voided/deleted, etc., from any and all Credit Report ( s ) Record ( s ), Credit Score ( s ), etc., relating/referenced to me, because XXXX decision was based on, executed, initiated, done by, etc., an unauthorized credit application executed, initiated, done by, etc., employee ( s ) at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( hereinafter, XXXX ). 
5. That the foregoing Statement Of Facts For CFPB Complaint is/are required by TransUnion LLC, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and at TransUnion XXXX, Consumer Relations, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX, Tel. : XXXX, for the purpose ( s ) of having TransUnion remove/expunge/nullify/void/delete, etc., XXXX said denial of credit application from my Credit Report ( s ), Record ( s ), Credit Score ( s ) because XXXX denial of credit application adversely, negatively, detrimentally, etc., effects my Credit Report ( s ), Record ( s ), Credit Score ( s ) and other matters, subjects, issues, etc., as regards my financial status, standing, etc. 
6. That on XX/XX/XXXX, I went to XXXX for the purpose of trading my automobile to XXXX  and purchasing an automobile from XXXX ; and, at the beginning of the business process, I explicitly, clearly, plainly, etc., stated to, informed the XXXX employee ( s ), customer sales representative ( s ), etc., responsible for executing, initiating, doing, etc., credit applications for automobile loans that my present automobile loan was financed by XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, and that I had already planned on, was going to get and had already made arrangements to get, secure, etc., my new, future automobile loan from XXXX XXXX, XXXX, and that they were to contact XXXX XXXX XXXX  and speak with personnel there, particularly, Mr. XXXX XXXX, Supervisor/Manager, as regards XXXX XXXX XXXX, undertaking any/the future automobile loan application, and any/the actual automobile loan, because I had spoke with XXXX XXXX XXXX employees and Mr. XXXX and arranged for XXXX XXXX XXXX to issue, administer, secure, etc., my/the future, actual automobile loan for my future car, in that XXXX XXXX XXXX  had informed me that I would receive a discount on my/the future automobile loan because I was a customer/client, etc., in good standing. 
7. That the XXXX employee ( s ), etc. did not contact XXXX XXXX XXXX, and ignored, disregarded, etc., my statements, directions, etc., to them as set forth in paragraph 6, above ; and, the XXXX  employee ( s ), etc., instead initiated, executed, etc., a loan application with/to XXXX ; and, during the business process STATEMENT OF FACTS FOR CFPB COMPLAINT PAGE 2 OF 3 ( paragraph 7, continued ) XXXX employee ( s ), etc., informed me that said loan application was denied. 
8. That on or about XX/XX/XXXX, I received Exhibit # 1, via U.S. Postal Service, regular mail. 
9. ( A ). That on XX/XX/XXXX, XXXX and XXXX XXXX, I contacted XXXX by telephone, and explained to, informed an employee of the material and relevant facts of XXXX employee ( s ), etc., initiating, executing, etc., the car/auto/automobile loan application of subject and that I did not authorize such loan application, that it was unauthorized by me as set forth in paragraphs 6 and 7, above, and requested and informed XXXX that they should take the appropriate actions to remove, delete, expunge, etc., XXXX credit denial ; and, XXXX informed me that they could do nothing about the unauthorized credit application and/or their credit denial ; and, that I had to contact TransUnion and TransUnion would remove, delete, etc., the unauthorized credit application entry and credit denial from my Credit Report ( s ), Record ( s ), Score ( s ) ; and, XXXX refused to take any other action, that is, generate and send me a letter of deletion, deletion letter as regards the unauthorized automobile loan application of subject. ( B ). That on XX/XX/XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX   COMPLIANCE DEPARTMENT ( re : XXXX ) by telephone, and explained to, informed an employee of the material and relevant facts of XXXX employee ( s ), etc., initiating, executing, etc., the car/auto/automobile loan application of subject and that I did not authorize such loan application, that it was unauthorized by me as set forth in paragraphs 6 and 7, above, and requested and informed XXXX that they should take the appropriate actions to remove, delete, expunge, etc., XXXX credit denial ; and, XXXX informed me that they could do nothing about the unauthorized credit application and/or their credit denial ; and, that I had to contact TransUnion and TransUnion would remove, delete, etc., the unauthorized credit application entry and credit denial from my Credit Report ( s ), Record ( s ), Score ( s ) ; and, XXXX refused to take any other action, that is, generate and send me a letter of deletion, deletion letter as regards the unauthorized automobile loan application of subject. 
10. That on or about XX/XX/XXXX, between the hours of XXXX XXXX and XXXX XXXX ( DST ), I contacted TransUnion XXXX, Consumer Relations, XXXX. XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, I was directed by a TransUnion Supervisor, at to undertake this action, that is, file this XXXX XXXX XXXX Police Department Report/Complaint against all the financial instiutions/organizations, including XXXX, who were contacted by XXXX employye ( s ), etc., on XX/XX/XXXX, in order to have TransUnion remove/expunge/nullify/void/delete, etc., the above indicated unauthorized loan application and credit denial of subject from any and all Credit Report ( s ), Record ( s ), Score ( s ), etc., relating/referenced, material and relevant, etc., to me. 
11. That pursuant to, but not limited to the Federal Fair Credit Reporting Act, Federal Equal Credit Opportunity Act, Consumer Credit Protection Act, and all relevant and applicable laws, rules, regulations, policies of The Bureau of Consumer Financial Protection, and all codified Federal and New York States and all other States of the United States of America Laws, Statutes, Rules, Regulations and Policies the above UNAUTHORIZED CAR/AUTO/AUTOMOBILE LOAN APPLICATION AND CREDIT DENIAL IN EACH AND EVERY PART, AND IN THEIR TOTALITY MUST BE REMOVED/EXPUNGED/NULLIFIED/VOIDED/DELETED FROM ALL RELEVANT/MATERIAL, APPLICABLE CREDIT RECORDS AND/OR REPORTS THAT RELATE AND/OR PERTAIN, ETC., AND/OR ARE RELATED IN ANY WAY, SHAPE, MANNER, FASHION OR FORM TO ME, XXXX XXXX. XXXX , AND MY CREDIT SCORE RETURNED/RE-SET/RE-CALCULATED/FIXED/RE-CALIBRATED, ETC. TO ITS FORMER/PREVIOUS NUMBER OF XXXX. 
__________/s/____________________ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Executed on : XX/XX/XXXX I, XXXX XXXX. XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C . Section 1746, that the foregoing is true and correct. 
________________/s/_______________________ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Sworn to before me this XXXX day of XXXX XXXX. 

_________/s/__________________ Notary Public XXXX XXXX / Notary Public-State of New York/NO. 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