Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Monday,XX/XX/2018 I opened a new account on XXXX ; an online riding service company where you can " rent '' other people 's vehicles. As requested by the company I supplied personal information such as my driver 's license number, and my date of birth. I selected the vehicle I was interested in renting, and entered in my credit card information. After hitting the submit button, I was instantly told by the website that I would be unable to rent any cars from XXXX  because I have a low Auto Insurance Score. I was flabbergasted, I have never heard of such a score in my life. I instantly contacted XXXX XXXX online customer service for an explanation. XXXX XXXX  customer service explained to me that an Auto Insurance Score rates the likelihood that I would file an auto insurance claim. I was speechless. They directed me to contact Transunion credit company, and suggest that I call them to request my " Consumer Disclosure Report. '' XXXX further explained that this report could be emailed to me from Transunion, and I could then send it to XXXX for a " second review '' of my account. The entire process seemed unorganized, and time consuming, nonetheless, I called Transunion. As I expected, Transunion had absolutely no idea what an Auto Insurance Score is. Furthermore, they said they would never email anyone anything, and then they added that they do not even know what a Consumer Disclosure Report is. They determined that a Consumer Disclosure Report is " probably '' a credit report. Why does XXXX  need my credit report? Transunion suggested that I contact my personal Auto Insurance company for an explanation on an Auto Insurance Score. I contacted my insurance company, XXXX   auto insurance, and asked if they knew about an Auto Insurance Score. They did not. However, they were willing to do a little research with me. On XXXX XXXX we were able to find a paragraph about Auto Insurance Scores. I am a member of XXXX XXXX, and I was actually able to pull my Auto Insurance Score from XXXX XXXX. Underneath my score in bold print it said : that my score was not to be used for any insurance purposes in the state of Hawaii, Massachusetts and California, since the score is banned in these three States. I live in California, and XXXX is based in XXXX XXXX, California. My auto insurance company reassured me that I am, and have been in good standing with them for years, and that I have never missed a payment on my monthly premiums. They have no idea why Transunion would report an Auto Insurance Score on me to XXXX  as " low ''. They suggested I reach out to XXXX XXXX to ask more details about whom governs this score, and how they reach their score decisions. Getting nowhere, XXXX XXXX  suggested I reach out again to XXXX for clarification. However, I have gotten absolutely nowhere with XXXX. Their customer service is 100 % online, and all of the responses I have received from them are computer generated, or just ignore my detailed questions all together. In every single response from XXXX, they tell me to reach out to Transunion. I want to know where XXXX got my Auto Insurance Score from, and I want to know why they are using a score that should not be used on California residents against me. Thank you.

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