Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer ID : XXXX Consumer Score Disclosure Report XXXX Consumer Score Score : XXXX Date Score Was Created : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer scores range from 100 to 899, with a higher score indicating a lower risk. The XXXX consumer score and scoring model may be different than the score used by a recipient of your consumer report. Because a consumer score is merely a snapshot of a consumer report at the time the score was calculated, the score will change to reflect changes in the report. There are a wide variety of scores available, and each client may use a different score or may give more or less weight to the score they use in relation to other factors. 
NOTE : A score of XXXX is an indication that there is insufficient information in ChexSystems files to create a consumer score. 
Factors That Affected Score The factors affecting the consumer score are listed below in order of impact, with number 1 being the greatest impact. 
Reason Code This letter is in response to your recent claim that XXXX XXXX XXXXXXXX ; XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX  ; XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX ; XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX ; XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Public record information on file at XXXX XXXX Risk Solutions was utilized for this inquiry. Should you wish to request your file disclosure from XXXX XXXX Risk Solutions you XXXX contact them at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, Phone number : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX FL, XXXX, UT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX SUITE XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX SUITE XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XXXX/XXXX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/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