Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
b'I received denial letters while I was sleeping from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have no Idea what this is. Then there is a w-mail from XXXX which is copied after the rejection letters that I received multiple of XXXX. I contacted the XXXX  XXXX, and they stated that it is not a legitimate email for TransUnion. I am reporting it to cover myself and to let others know.\nREJECTION LETTER XXXX XXXX XXXX  . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Loan Application No XXXX XXXX XXXX  . Dear Sir/Madam, This is to inform you that we are unable to approve your request for our internal policy requirements. In case of any further assistance, please call us on toll free no. XXXX  Loan, as it does not fit XXXX XXXX XXXX XXXX XXXX XXXX This is system generated and does not require signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIN : XXXX Registered office : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\XXXX  E-mail from this e-mail XXXX\nDear Customer,\n\nGreetings from TransUnion XXXX  !\n\nWe wish to inform you that a recent loan/XXXX  card enquiry was made on your XXXX  XXXX  and XXXX with us.\n\nThe details of the enquiry are mentioned below:\n\nBank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nDate of Enquiry : XXXX XXXX\nIn case of any queries or clarification regarding the above information, please contact the respective bank/financial institution or connect with us. Please quote your XXXX  number(s) while communicating with us to help us assist you better. Visit us for more details.\n\nA credit enquiry occurs when a bank/financial institution checks your XXXX report, usually in connection with a loan or credit application. While checking your XXXX  report, it is important to verify your personal information.\n\nThere are certain types of loans (such as small ticket Personal Loans) which are availed through digital lending platforms. These are often financed by partner banks or financial institutions, whose names may appear on your XXXX Report instead of the platform. Key scenarios include:\n\nRegulated entities offering credit under a different brand name. For e.g., legal entity name displayed on XXXX report instead of popular application name\nRegulated entities offering credit through multiple brands and channels\nLoans taken through a digital lending platform may appear multiple times on your XXXX  report, where the loan amount is split between different banks or financial institutions. To better understand this co-lending arrangement, it is essential to carefully review the terms and conditions provided by the digital lending platform\nNote: Dispute Resolution is offered for FREE by XXXX. Consumers are not required to pay any fee for rectifying discrepancies or updating their credit information.\n\nVisit us for more details\nBest regards,\n\nTransUnion XXXX\n\nFollow us on\n\n\n  \nGet the XXXX  App\n\nAccess your XXXX XXXX XXXX XXXX anytime, anywhere.\n\n \nTransUnion XXXX Limited\n\nRegistered Office: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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