Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XX/XX/year> Time : XXXX XXXXXXXX XXXX XXXX Mailed Correspondence sent below : Consumer Financial Protection Bureau XXXX CFPB ) XXXX. XXXX XXXX, XXXX XXXX XXXX Regarding : XXXX Violation Complaint ) Subject : Formal Complaint Discriminatory and Retaliatory Credit Practices by XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX this XXXX concern, I am writing to formally file an additional and escalated complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX ) for serious violations of the Equal Credit Opportunity Act ( ECOA ) and relevant Consumer Protection Regulations under the Federal Trade Commission Act. Background : On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX - To explore vehicle Finance/Lease options. Following that interaction, I experienced what I believe to be discriminatory, retaliatory, and adverse actions that were not only unethical but potentially unlawful under Title VII of the Civil Rights Act and the ECOA. Despite multiple follow-ups with the dealerships employees and management including XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX and XXXX XXXX XXXX XXXX Managers ) I have received either dismissive or no responses to my attempts at resolution. Further, I contacted XXXX XXXX directly on three occasions, and was informed there is no credit application on file from XXXX to-date ; contradicting the dealerships claim that my application was denied. This raises significant concerns about misrepresentation, possible unauthorized credit activity, and inaccurate disclosures regarding my credit status. I have proof of my credit standing via direct subscriptions to the three major credit bureaus, as well as a XXXX XXXX XXXX, issued directly from XXXX XXXX and I know any inquiry or submission or disallowance, made on behalf of XXXX XXXX XXXX, or XXXX XXXX, made post XXXXXXXX XXXX XXXX XXXXXX/XX/year>, is/was without my consent and/or using proper documentation and is/was not authorized as it is required to have a prior agreed upon Consumer request and to submit current and identifiable information. I informed the dealership there was no way my credit was below XXXX with all Bureaus. ( The XXXX XXXX XXXX, was supplied directly to me and supplied to XXXX XXXX XXXX, on XXXX for transparency and visibility- Further Informing No Credit has/was ran, for me, as of the date of the Letter, as XXXX reached out XXXX XXXX XXXX directly XXXX on my behalf in good-faith, just as I had separately as noted above. Violations Noted : XXXX. Equal Credit Opportunity Act ( XXXX ) : * Discriminatory treatment based on unexplained or unsupported credit decisions. * Denial of credit without providing the required Adverse Action notice or accurate information. ( Informed per XXXX XXXX, an Adverse Action Letter, was sent to me ; however, ( Confirmed to be untrue- via XXXX XXXX XXXX directly, that XXXX XXXX XXXX XXXX  submitted an application using my SSN or my information ) * Misrepresentation or concealment of the true status of my credit application. 2. FTC Act : * Misleading and deceptive practices in communicating about credit applications. * Retaliatory behavior for inquiries and escalation attempts. ( Threats to not receive XXXX  XXXX XXXX XXXX and to not contact him moving forward ) XXXX. FCRA Concerns : * If a credit application or inquiry was made without my consent, to circumvent escalation ( s ), it may also constitute a violation under the Fair Credit Reporting Act ( FCRA ). Requested Action : I respectfully request the FTC and CFPB to : * Investigate XXXX XXXX XXXX XXXX for discriminatory and retaliatory practices. * Determine whether any unauthorized credit inquiry or falsified application was submitted in my name or lack thereof, prior to the date of this letter ( XXXX ) or within initial outreach/interaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) or via alternative Communications or Dealerships including, but not limited to mentioned and/or in an attempt to dissuade interaction or honor of Marketing material presented. * Ensure that any inaccurate or deceptive reporting is removed and corrected. * Issue appropriate penalties, guidance, or corrective actions to the dealership, as necessary. Let the record state, I have documentation to support my claims, including XXXX XXXX, Recorded calls with, XXXX Credit Bureau XXXX XXXX and Email Correspondence ( XXXX ) with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Partnered. I am happy to provide all supporting documents upon request. ( XXXX XXXX XXXX ) Thank you for your time and consideration. I look forward to your response and any further steps I need to take, to ensure this matter is addressed properly, and/or presented opportunity for initial request prior to a filing Motion in XXXX XXXX XXXX 
My credit is XXXX and XXXX and XXXX with all credit bureaus. I was discriminated against and then told this complaint does not belong to them. I have requested my CORRECT credit reports be sent to this company due to Adverse actions taken against me. 
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