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: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

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 ), Complaint, 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, TX XXXX, Tel. : XXXX,, Reference Number XXXX, Dated : XX/XX/2019, Tel. : XXXX ( 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 ( FOOTNOTE 1/ ) 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/2019, 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 ( FOOTNOTE 1/ : THE CREDIT REPORTING BUREAU ( S ) ( SIMILAR, AKIN TO, LIKE, ETC. TRANSUNION, SUCH AS/OF XXXX, XXXX, AND XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, TEL. : XXXX, ARE ALSO INVOLVED IN THIS MATTER AND SHOULD ALSO BE DIRECTED TO EXPUNGE, DELETE, REMOVE, ETC., THE UNAUTHORIZED LOAN/CREDIT APPLICATION ( S ) OF SUBJECT IN THIS COMPLAINT. ) STATEMENT OF FACTS FOR CFPB COMPLAINT PAGE 2 OF 2 ( 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. That on XX/XX/2019, XXXX XXXX to 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. 
10. That on or about XX/XX/2019, 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 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 on XX/XX/2019, I received a letter from XXXX, dated XX/XX/2019, Re : Request for Statement of Specific Reasons. ( See, Exhibit # 2. ). I did not request XXXX for a Statement of Reasons as to why the unauthorized credit/ auto/vehicle loan application was denied. As stated in full, above, I requested XXXX to generate, furnish, etc. a deletion letter because the credit/auto/vehicle loan application was unauthorized initially, from the outset, beginning, etc. XXXX XX/XX/2019 letter did not address and/or attend to, remedy, fix, etc., the material, relevant, pertinent, etc., matter of subject herein this complaint. XXXX did not send me a deletion letter. XXXX has for all intents and purpose, actually and constructively refused to remove, expunge nullify, etc., the unauthorized credit/auto/vehicle loan application made by XXXX on XX/XX/19. 
12. 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 XXXX, NY XXXX Executed on : XX/XX/2019 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 ______ day of ______________, 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