Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
ADVERSE ACTION LETTER XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX TRANS UNION CONSUMERS RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.A. XXXX XXXX CFPB complaint # XXXX Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is a legal remedy Re : XXXX XXXX I, the consumer and natural person, was denied credit by XXXX XXXX  when I applied for a EQUIPMENT LOAN. 

According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

Due to the response I received by XXXX XXXX  and XXXX  XXXX XXXX XXXX you are both subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. 

XXXX XXXX  AND XXXX XXXX XXXX is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, I authorized only one ( 1 ) pull for a credit review status. Financial representative XXXX INFORMED myself that ( a ) pull ( meaning 1 ) would be conducted but upon my investigation I found facts that prove otherwise. XXXX XXXX XXXX stated in a letter note # XXXX based on principle reason for loan denial was : Loan cancelled per my request. I did not authorize anyone to make that decision. 

XXXX first explained to myself that I qualified but a public records indicated a debt from a private matter and caused the DENIAL of a BUSINESS transaction. This matter is under litigation and in Violation of illegally combining private into public banking affairs. ( 3 ) credit pulls on different dates were applied ( 2 ) from XXXX XXXX XXXX on XX/XX/XXXX & the XXXX and ( 1 ) from XXXX XXXX  on XX/XX/XXXX. 
At the time my credit score was above XXXX. 

XXXX, employee of XXXX XXXX  did not properly explain the contract transaction correctly which is a violation under the TILA ACT and therefore caused injury and defamation of my character as a Business Owner. 

Due to lack of facts from TRANS UNION CONSUMERS RELATIONS reporting system, this prevented my place of Business from providing for my family as well as an Equal Credit Opportunity ( ECO ACT ) to continue to grow and build Credit. My social security number which according to 15 USC 1602 ( 1 ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX and XXXX XXXX XXXX. 

If XXXX XXXX and XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card I will indeed make XXXX XXXX and XXXX XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15USC 16810. 

I have provided with lawful notice that I am the Grantor and Executor of the ( XXXX ) XXXX XXXX  XXXX XXXX 31 U.S.C . 3123. 

I request that XXXX from XXXX XXXX  to get in contact with the underwriters at XXXX XXXX XXXX For a follow up as to rescind and re-evaluate their decisions. I am confident in our transaction so please feel free to rebut this matter so we can resolve it. 

I will follow up with an invoice for said violations ( {$1000.00} per violation ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Inalienable Rights Reserved

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 non-monetary relief