Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XXXX XXXX XXXX, I requested an auto refinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Here are the responses from XXXX XXXX : XX/XX/XXXX Thank you for using XXXX XXXX for your loan needs, XXXX XXXX 

Your application is still pending. The Consumer Lending Team is unable to access your full credit bureau report for review. Due to a discrepancy on your credit bureau report, we must verbally verify that the personal information ( name, address, social security number, and date of birth ) on file for you is correct. If the information on file with XXXX XXXX is correct, you will need to contact Transunion to have your information updated in their records so that the information matches. If the information we have on file for you is not correct, you must take the necessary steps to update our records. You will need to notify XXXX XXXX when the required updates have been made so that the Consumer Lending Team may make another attempt to pull your credit bureau report. 

To verify that the information on file for you is correct, please speak with a Consumer Loans Specialist by calling our Contact Center at XXXX XXXX XXXX XXXX  and follow the prompts for Consumer Lending. We are available to assist you 24 hours a day, 7 days a week. 

Please respond within 14 days of the original date of application, XXXX After that, the application will no longer be valid. 

We look forward to your response. 

XX/XX/XXXX Thank you for using XXXX XXXX for your loan needs, XXXX XXXX. 

Your application is still pending. The Consumer Lending Team is still unable to pull your Credit Bureau Report ( CBR ). Please contact Trans Union to ensure the freeze on your credit report has been lifted. Please notify us when it is completed so that your application can be further reviewed. You may call our Contact Center at XXXX ( XXXX ). Follow the prompts for Consumer Lending and ask to speak with a Consumer Loans Specialist. We are available to assist you 24 hours a day, 7 days a week. 

Please respond within 14 days of the original date of application, XXXX After that, the application will no longer be valid. 

We look forward to your response. 

XX/XX/XXXX Thank you for using XXXX XXXX for your loan needs, XXXXXXXX XXXX. 

Your application is still pending. The Consumer Lending Team is still unable to pull your Credit Bureau Report ( CBR ). Please contact Trans Union to ensure the freeze on your credit report has been lifted. Please notify us when it is completed so that your application can be further reviewed. You may call our XXXX XXXX at XXXX XXXX XXXX XXXX. Follow the prompts for Consumer Lending and ask to speak with a Consumer Loans Specialist. We are available to assist you 24 hours a day, 7 days a week. 

Please respond within 14 days of the original date of application, XX/XX/XXXX. After that, the application will no longer be valid. 

We look forward to your response. 

XX/XX/XXXX Thank you for using XXXX XXXX for your loan needs, XXXX XXXX Please accept our apologies for any inconvenience and frustration this incident may have caused. If you have any questions or need further assistance, please call our Contact Center at XXXX ( XXXX ). Follow the prompts for Consumer Lending and ask to speak with a Consumer Loans Specialist. If you are calling from overseas, please call us collect at XXXX. We are available to assist you 24 hours a day, 7 days a week. 

I contacted Trans Union on several attempts to resolve this issue with no results and a subsequent rejection of my loan application by XXXX XXXX XXXX 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