Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
TransUnion representatives XXXX XXXX and XXXX XXXX both refused to assist me in correcting the TransUnion credit profile. The problem is XXXX has my credit score at XXXX while TransUnion has the credit report at XXXX, this is a difference of XXXX points. Why the bid discrepancy? Also, TransUnion has already been notified that the name and the social security number are property of a trust and they are trustees that hold the property and when they are informed of any inaccuracies they must correct incorrect information in their file, they refused. How am I supposed to live?! Ask them One Question : Have I been late? Based on their own admission, I am being discriminated against! 

The following is an automated response I received from XXXX XXXX today : Thank you, XXXX. 

We reviewed your information and, unfortunately, we can't pre-approve you for a XXXX XXXX consumer credit card at this time. 
Rest assured, the form you submitted was not a credit card application and your credit score was not affected. 

Here are the reasons why we couldn't match you with an offer : Based on your Pre-Approval form information, there is a currently pending or recently processed application with XXXX XXXX Based on your Pre-Approval form information, there are too many delinquent past or present XXXX XXXX credit obligation ( s ) Based on your Pre-Approval form information, the balance on one or more XXXX XXXX accounts has exceeded the credit limit Please make sure to save and/or print this notice for your records as it may not be available after this page expires or if you navigate to another page. For your security, this page will expire after 20 minutes of no activity. 

We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you with new products and services in the future. 

Creditor : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, 1700 G Street NW, Washington DC 20552. 

Phone with sample credit score XXXX XXXX Get your credit score, report, and more. 
XXXX from XXXX XXXX is a free credit monitoring tool that can help you learn how to improve your credit score. Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved. 

It's free for everyone and won't hurt your credit score Access to weekly credit score updates See your score in minutes Already a XXXX XXXX customer? Use your existing XXXX XXXX username and password to sign in to XXXX. 
_________________________________________________________ I am so tired of explaining to Transunion, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and others. XXXX XXXX conspires with these companies to commit fraud because they have been provided settlement, have discharged and have been provided settlement again for credit card debt. Since lying XXXX XXXX employees want 60 days to investigate something they have investigated many times in the past, according to the Fair Debt Collection Act they are supposed to take the disputed item off the credit report while they investigate. I guess XXXX XXXX makes the rules, I guess they don't have to follow the law, I guess XXXX money can buy you anything! When are you going to stop XXXX XXXX from damaging the people! They have killed me in commerce, financially slaughtered my character, economically held me XXXX until I have suffocated and now my vessel in commerce is dead. How am I supposed to live? I am a living woman who has the same right to live in peace on my own land but XXXX XXXX continues their deceitful tactics and their conspirators XXXX, XXXX, XXXX, and Transunion help them perpetuate the fraud. According to United States Code Title 15 Subsection 1601-1666 Pertains to XXXX XXXX 's bad banking practices. Consumer Law - 15 USC 1602 ( I ) Credit Card - used my Social Security Card as funding to pull credit, so what has XXXX XXXX lost? They are liars! Truth in Lending 15 U S Code 1605 Determination of Finance Charge ( what they aren't telling you ) - Finance charges should be provided separate from the rest of the document, but you XXXX XXXX loves small print and comingles all the charges together. ANY transactions that I have ever done with XXXX XXXX have been settled many times over plus when I had my business account their they got full benefits for the income I put in the bank from the business. They kept title to the securities deposited because according to their records the securities were abandoned. If the public school system and universities trained us to operate in commerce we would know and America would not be on the verge of finance collapse! This is XXXX XXXX and their gang of banking criminals ' fault!

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