Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
... On or about XX/XX/2022 ; XXXXXXXX XXXX company proceeded my credit score without giving the HELOC or REFI as promised over the phone with one of their mortgage officers on a recorded line ....

The Loan officer told me they would email me the REFI and HELOC offers ....

it has been over a week, and they still have NOT given me any offers what-so-ever ; and the reason for this complaint, as I just became aware yesterday that they did check my credit score, and thus causing my credit score to be adversely affected by their inquiry ( ies ) without providing my estimated loan is absurb and just rude business practices ... as they told me they would email me such offers that following day ( Tuesday XXXX XXXX XXXX ). 

I emailed them and they do not reply. Below are those two emails.

Re : Complete Your Loan Online. Save Time & Money From XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX To XXXX XXXX did you really lie to me? 

not ok you need to give me offer NOW!!! 

The recorded phone said you would email me the amount ... and not an application to apply -- where you already told me you were going adverserly affect my credit score when I gave you my SS # on a recorded line-- yes... .My XXXX is so XXXX... last check was XXXX -- please take me to court .... 
I am suing you in California court if you mess with my cs... .credit score you may have hired incompetent people to work for you ... ; please review the phone call yesterday. 

thank you. 

XXXX paid over {$2500.00} and a class action of not less than XXXX .... 
you're in trouble if you mess with my credit after offering me nothing and taking my SS # and not giving me my offer as promised is a XXXX crime!! 

On XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX wrote : XXXX, We make your life easy! If you don't have time to talk or it is just bad timing, you can fast-track your loan approval process by completing your loan inquiry all online. 

Our technology can get you one step closer to your cash. Whether you need to access your home 's equity with a HELOC, HELOAN ( fixed HELOC ), Cash-Out Refinance, or a Pre-Approval for your next home, you can get started entirely online. We give you access to your loan quotes, documents, & applications directly from your phone or computer. 

Easy To Get Started Create a user name and password. 
Answer some simple questions. 
Let our software process your loan request. 
Once your loan request is processed, your loan scenarios will be accessible through our secure portal. 
Calculate My Payment Start Your Loan Online & Get a {$500.00} Credit Towards Your Appraisal Cost XXXXXXXX XXXX  Top-Rated Lender in US XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE : The information contained in this communication is confidential and/or legally privileged. It is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of this information is strictly prohibited. If you have received this electronic mail transmission in error, please destroy the original communication, delete it from your system without copying or forwarding it, and notify us by telephone at XXXX. 

If you'd like to unsubscribe and stop receiving these emails click here. 

Top-Rated Lender in America With Over XXXX Five-Star Reviews on Zillow Disclaimer : XXXXXXXX XXXX XXXXXXXX can not guarantee the closing of any loan. Appraisal Cost Credit is a lender credit made to the consmer on their settlement statement. Apparisal credit is only available for loans funded by XXXXXXXX XXXX XXXXXXXX that require appraisals. All loans are subject to underwriting approval. Certain restrictions apply. Call for details. This is not a commitment to lend. XXXXXXXX XXXX  can not guarantee that a closing will happen within a certain time frame. XXXXXXXX XXXX  XXXX is an Equal Housing Lender. XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX... .... 
SECOND EMAIL XXXX XXXX XXXX XXXXXXXX XXXX Re : Complete Your Loan Online. Save Time & Money To XXXX XXXX XXXX TO WHOM IT MAY CONCERN, Since XX/XX/2022 ; it would appear to be True that you violated Credit Score LAWS when running my credit and failing to tell me what my HELOC or Refil would be, when discussing this matter with your, XXXX XXXX, they failed to XXXX in doing anything 'Wrong ''. 

It is against the law to conduct business in the California without giving me my estimates ... and it has been over a week since taking my credit score and showing you have placed an inquiry against my credit,,, and never gave me my refi/ or heloc estimate ( s ) ....

you've broken the law and have been documented as such.

you are hereby ordered to halt all business within the state of California until further notice -- if you continue to do business after already been notified of your faulty business practices this too will be held against you. 

Sincerely, XXXX XXXX XXXX XXXX : FTC ; SEC ; FHA : DOJ *** Please stop them from destroying people 's credit when I was promised an estimate and why I said I agreed to the running of my credit score -- except CrossCountry did not provide me my loan offers for cash out refi or heloc...

Please help stop this bad bad business in the US as they are in all states doing business without giving everyone their estimates and adversely affecting their credit scores .... 
CC : DOJ ; FTC

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