Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX disputing XXXX hard inquiries on my TransUnion credit report. Im requesting that both inquiries be removed from my report. 
XXXX XXXX XXXX ( XXXX ) ran my Credit Report on XX/XX/XXXX. They ran my credit report a second time the following day on XX/XX/XXXX. Authorization to run my credit report was based on total misrepresentation, false, inaccurate, and fraudulent loan information provided by the XXXX. 
The hard inquiry was done TWICE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION I contacted the XXXX XXXX XXXX regarding a personal loan on XX/XX/XXXX. I needed a {$1000.00} Signature loan, short term ( XXXX yr. ), unsecured, for my PERSONAL EXPENSES. I asked the loan XXXX several very specific questions. I wanted to make sure the loan met my financial needs and met their approval requirements. Per the loan XXXX, the minimum XXXX XXXX required for a loan was XXXX. At that time my XXXX XXXX was at least XXXX. Therefore, my score qualified me for a signature loan. I felt my questions had been answered, and all the pertinent information regarding their Signature Loan was disclosed. I was assured loan approval, pending receipt of income verification, a valid ID, and XXXX personal reference. Therefore, I gave my authorization to run a credit report and XXXX XXXX. 
They proceeded to run my credit report on XX/XX/XXXX. After they ran my report, I was told the XXXX XXXX comment at the bottom of the report would not allow them to discuss the contents of my report until my identity was verified by calling the phone number listed within the consumer consent. The phone number was different from my current cell phone number appearing in my personal profile information. Therefore, when they called the consumer consent phone number to verify my identity no one answered. 
I immediately called TransUnion. Apparently, the phone number shown in the XXXX XXXX section in my report was a phone number from over XXXX years ago when I was XXXX XXXX XXXX and still living with my parents!!! I'm now XXXX XXXX XXXX. I dont know how or why this extremely old phone number appeared in my credit report. There were no other security alerts placed on my report. Per my request, TransUnion changed this old number and replaced it with my current cell phone number. 
The following day ( XX/XX/XXXX ) I called XXXX and explained the situation. They had to run my credit report a SECOND time to verify the updated phone number and my identity. 
After they ran my credit report a second time, I was surprised when told that my loan could NOT be approved for " Personal Expenses. '' Their loan would only cover specific emergency debts, i.e. medical bills, rent, mortgage, utilities, etc. In addition to this, their loan checks had to be made directly payable to who the money/debt was owed. No money could be deposited directly into my own personal bank account to be used for my own personal expenses at my own discretion. I was shocked. They NEVER told me about any of these loan stipulations! I made it clear from the onset that all I wanted was a simple Signature Loan, unsecured, short term ( XXXX XXXX ) for my personal expenses. The loan XXXX NEVER asked me how I was planning to use the money. They further surprised me by telling me that I needed a co-signer. XXXX XXXX XXXX XXXX. I would NEVER want or agree to a loan requiring a co-signer. There was no prior mention of the possible need for a cosigner on a simple {$1000.00} Signature Loan. 
The loan XXXX NEVER mentioned any of these loan stipulations or requirements prior to my authorization to run my TransUnion Credit Report. If I had been given this information from the onset, I would NOT have moved forward with the loan and NOT authorized running a Hard Inquiry Credit Report, which has now significantly lowered my XXXX XXXX, especially because the report was run TWICE within XXXX hours. 
Therefore, these XXXX Hard Inquiries were both pointless and unnecessary based on the misrepresentation, false, inaccurate, fraudulent loan information I was provided. Significant details pertaining to their XXXX XXXX  were NEVER disclosed to me from the onset, prior to my authorization to run my credit. For these reasons, Im requesting that TransUnion remove these XXXX Hard Inquiries from my credit report.

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