Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir, My complaint dwells on an inaccurate and misleading TransUnion reporting statement which then undergirded a decline in my credit score and in my spouse 's.

In filing the first of two separate online credit applications in an endeavor to raise a nominal amount of working capital to fund our XXXX XXXX XXXX the application was denied on account that Trans Union posited I did not own a business. At the time, our credit scores were around 740, even after completing the purchase of about {$400000.00} in dump trucks with identifying US and Illinois motor carrier numbers. 
Each of the two applications had the same or similar notices of denial that " Based on information obtained from TransUnion, I [ the Complainant ] do not own a business. 
TransUnion then began to obfuscate, countering that lenders do not disclose their sources of information. I explained that it was right there on the screen of my laptop. Without a print icon, I then moved on, wondering why TransUnion would again go out to ruin and destroy my credit as they had done prior, about four years earlier.

Notwithstanding, by chance, I came across a TransUnion audio I recorded. In it, TransUnion airs a statement to real estate borrowers stating that : Federal Law requires that lenders must disclose to borrowers the source of their scoring when making lending decisions. 
In my most recent chat inquiry, TransUnion 's chat representative objected to me having a printout of that chat transcript. She obfuscated and tried to hide information, eventually changing the print status to non-printable, which intentionally would only display a blank print screen and PDF. I happened to copy the transcript before she could activate its feature. Included in this complaint is the transcript, enclosure ( 1 ). 
My subsequent inability to participate in borrowing has forced me to park the vehicles and incur thousands of dollars in lost income. Our personal and business liabilities have piled up, not to mention our trucking compliance backlog, which has had a deleterious effect on our business. The CFPB did not have the audio recording or the names of the lenders when they investigated my complaint. But, by a reasonable person 's standard, why would anyone purchase thousands of dollars of new and next-to-new equipment and then make false accusations and engage in frivolous complaints and disputes, none of which makes sense? TransUnion can not hide behind the pre-ponderous of evidence when one considers that communication today is essentially virtual. 
It should be discernable that if I were the at-risk party, it would not be in my interest to get embroiled in a dispute with TransUnion, the not-at-risk party, especially if I had fabricated my story. Meanwhile, the CFPB has advised me to file a new dispute if I can provide evidence related to this specific complaint. 
TransUnion, on the one hand, is suggesting that I could benefit from a loan. But on the other hand, are asking for my monthly business income, which would have been between {$4000.00} and {$20000.00} monthly if they, TransUnion, had not misrepresented facts and the trucks had been working. 
The question is, where do I go from here? A reliable income-earning rollback flatbed pickup truck could get me back on my feet quickly but at the cost of about {$75000.00} after tax. TransUnion did send me a series of no-credit-check offers of {$40000.00} by email. Without proof of income, it's hard to see how even that insubstantial amount would work.

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