Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CFPB, XX/XX/2020 I have applied for several credit cards and loans and keep getting turned down and all seem to be pulling my Transunion credit file and mentioning the XXXX XXXX XXXX XXXX  account being reported as a problem, which tells me it is these two that are reporting negative information on me!! I have been working for the government for three years, have excellent pay history and a credit score that varies for every lender and type of loan between XXXX, which I think should be illegal, and it is only this low due to the fact that I DON'T USE credit much and one loan I had along with numerous others in my life with XXXX XXXX XXXX XXXX  in XXXX, IL which got behind ONLY because of the worst recession this country has ever experienced when I was laid off from XXXX which threw me behind BUT during the entire time I continued to pay full interest payments on that car note, allowed by the bank president at the time XXXX, which were almost the same as my regular payment every month and then paid the loan in full!! I also have NEVER been late on ANY loan or not paid ANY loan in my life and I am XXXX yrs old!! I make good money where I work almost $ XXXX yr. have no debt other than my car note which will be paid off in two years bal of {$16000.00} with $ XXXX equity in it, my student loans which are in the PSLF program so will be gone in less than XXXXyrs of $ XXXX and two small loans I took out over the last couple of years as I don't use credit cards, with XXXX XXXX bal of $ XXXX and XXXX XXXX XXXX XXXX of {$1200.00} I took out a week ago. I have never owned a home. All I wanted was to refi my car and use the equity in it to pay off the higher interest debt so borrow a total of $ XXXX at 7 % or lower interest to consolidate my car, the XXXX XXXX and XXXX XXXX XXXX XXXX, along with a {$2400.00} tooth implant my dental insurance with the XXXX XXXX XXXX  XXXX will not cover due to a " missing tooth clause '', so I can lower my interest. But I keep getting turned down. Here is the latest denial. I want Transunion and XXXX XXXX XXXX XXXX  both held accountable for misreporting my information and intentionally reporting damaging information that does not show I fully made interest payments monthly on the one note they are reporting. Also, are the credit bureaus providing different information to lenders than they do on credit reports? If so this too is illegal. This is all retaliatory for me reporting XXXX XXXX XXXX XXXX  to the CFPB and leaving the for good, they are intentionally trying to damage my financial reputation and I want them held accountable!! If it does not stop now I will file a lawsuit to make it stop!!! Please address this issue. Also I want a current copy of my credit report mailed to myself and your office from all three reporting agencies, Transunion, XXXX  and XXXX, as usual their websites never work and when they respond to my complaints to you they NEVER mail me a paper copy of my corrected and updated credit report but try to email it which also does not allow me in to access it. I WANT MAILED COPIES OF MY REPORTS!! I have a legal right to paper mailed copies of my reports!! They are AGAIN breaking the FCRA laws!!! Fine them and make them follow the laws!!! These agencies have ruined the entire country financially and made our economy a MESS due to their greed and vengeance, they need to be closed for good, all of them!!! Here is he most recent denial letter. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Utah XXXX Thank you for your recent application. Your request for a loan was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Time since decline too recent Our credit decision was based in whole or in part on information obtained in a report fromthe consumer reporting agency ( ies ) listed below. You have a right under the Fair CreditReporting Act to know the information contained in your credit file at the consumerreporting agency ( ies ). The reporting agency ( ies ) played no part in our decision and isunable to supply specific reasons why we have denied credit to you. You also have a right toa free copy of your report from the reporting agency, if you request it no  later than 60days after you receive this notice. In addition, if you find that any information containedin the report ( s ) you receive is inaccurate or incomplete, you have the right to dispute thematter with the reporting agency ( ies ). 


TransUnion LLC XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Notice : The Federal Equal Credit Opportunity Act prohibits creditors fromdiscriminating against credit applicants on the basis of race, color, religion, nationalorigin, sex, marital status, age ( provided the applicant has the capacity to enter into abinding contract ) ; because all or part of the applicant 's income derives from any publicassistance program ; or because the applicant has in good faith exercised any right under theConsumer Credit Protection Act. The Federal  agency that administers compliance with this lawconcerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington DC 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