Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
This was a denial of loan due to illegal consumer reporting I received on XXXX XXXX XXXX Reference ID XXXX from XXXX XXXX  Dear XXXX XXXX, Thank you for applying for an installment loan. After reviewing your application, we regret that we are unable to approve your request based on the following reasons : XXXX XXXX delinquency, and public record or collection filed Too few accounts currently paid as agreed No recent non-mortgage balance information Proportion of balances to credit limits is too high on revolving accounts The consumer reporting agency referenced below did not make the decision and is unable to provide you with the specific reasons why your application was not approved. However, since our decision was based in whole or in part on information from this consumer reporting agency, under the Fair Credit Reporting Act, you are entitled to know the information provided to us. You also have the right to receive a free copy of your consumer report from the consumer reporting agency, if you request it within 60 days of this notice. In addition, you also have the right to notify the consumer reporting agency and dispute the accuracy or completeness of any information on your consumer report. To receive this information, contact : TransUnion XXXX XXXX XXXX  XXXX, PA XXXX XXXX We also obtained your credit score from TransUnion and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.

Your credit score : XXXXDate : XXXXScore ranges from a low of 341 to a high of 850.Key factors that adversely affected your credit score : Serious delinquency, and public record or collection filed Too few accounts currently paid as agreed No recent non-mortgage balance information Proportion of balances to credit limits is too high on revolving accounts The number of inquiries on file adversely affected the score XXXX XXXX  The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection Per FCRA 604 ( 2 ) Permissible Purposes ; as a federally protected consumer each this is a direct violation of federal law. Anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. This section states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA6 ( A ) ( i ) TransUnion has provided an unlawful consumer report without any written form of disclosure and without my written consent. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of 15 USC 1681. TransUnion can not produce evidence of said disclosure as described within the FCRA as no such document exist. Thus making this an unlawful act. damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. I, in good faith exercise my right and I, the natural person have been discriminated against by XXXX XXXX  in pursuant to 15 U.S.C. 1691. Serious delinquency, and public record or collection filed. Too few accounts currently paid as agreed, No recent non-mortgage balance information, Proportion of balances to credit limits is too high on revolving accounts, consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. This is discrimination and is unlawful in accordance with 15 USC 1681a ( 2 ) ( i ).

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