Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On or about XX/XX/XXXX I was denied credit by the XXXX XXXX XXXX XXXX on based on information that was received from TransUnion. I was asking for preapproval for a car loan $ XXXX. My current car lease is up XX/XX/XXXX. I contacted TransUnion by computer to get a copy of my credit report and it stated my numbers along with two other reporting agencies was in the mid 600s. I have a XX/XX/XXXX Credit account that reports my credit score as XXXX. I have been working hard to pay off accounts. They are all on auto pay including my student loan. I am paying the amount that will pay off my remaining credit in 3 years. I plan on keeping my XXXX XXXX and my XXXX card open only. All other accounts have been closed. While I was just trying to give my Credit Bureau my business, it is my understanding they rely on TransUnion. I don't feel like I will have any trouble getting a loan for a car. I have plenty of discretionary money available and I have a very dependable job as a XX/XX/XXXX for XXXX XXXX and we are in a crisis and my job is certainly not in any jeopardy or is my gross income of approx. {$80000.00}. I had 0 derogatory reports. I am in the process of trying to weed out the 21 loans they have listed. Most of which were school loans, currently in forbearance ( per the government approval ), Pay as I earn, They are all in loan forgiveness due to being a XXXX XXXX XX/XX/XXXX. My monthly payment for all my combined loans come as one payment a month of {$390.00} which will restart after the first of the year as of my last notice from the US Department of Education, dated XXXX ) Not only did TransUnion charge my account 2xs they signed me up for monthly monitoring. I spoke with them this morning and had the 2 charges taken off my account. I let them know about an offer I received from TransUnion after being declined for my loan with XX/XX/XXXX. The offer came directly from TransUnion offering me a loan for up to {$100000.00} with rates as low as 4.9 %. It is my feeling that I have been a victim of unfair credit reporting and have been preyed upon by the specific company that was instrumental in my credit being denied. I will continue to try and get my credit straightened out. My goal is to be credit free in 6 years when I retire once my student loan is forgiven. As I was hanging up with the gentleman by the name of XXXX ticket # XXXX I had one more question. It was only then he told me I would be denied credit for the next 45 days. I asked him why over and over to explain. I finally got him to tell me he meant by TransUnion only. This concerns me as I am in the process of getting a new car. I let him know that I would be filing a complaint against TransUnion for preying upon people they have been instrumental in denying credit to by offering them loans. Also lack of first mortgage information. My first mortgage was satisfied and does not appear on my credit report since it has been so long ago as well as the XXXX of dollars I have payed off to creditors in my lifetime. Please help me stop this unethical practice. After reviewing TransUnion on line I see that many businesses and credit seeker have had many issues with this company. I appreciate you looking into this. Unfortunately my credit report is 40 pages, enough to discourage anyone. Thank you!

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