Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
XX/XX/year> To : XXXX Bank XXXX. XXXX XXXX XXXX, FL XXXX RE : ADA Violation XXXX Unauthorized Credit File Access, and Unjust Limit Reduction To Whom It XXXX Concern, I am writing to formally object to the recent reduction in the credit limit on my XXXX credit account issued by XXXX XXXX  XXXX This adverse action was taken without my knowledge, consent, or any effective communication and it has resulted in serious harm, including a 30-point drop in my credit score, despite my excellent payment history and long-standing customer relationship with XXXX. 

The facts are as follows : XXXX. I have never missed a payment on any XXXX account. 
XXXX. My credit report contains no derogatory information, delinquencies, or defaults. 
XXXX. My credit file is locked, and I never authorized XXXX or any of its systems or affiliates to access it for review, soft pull, or credit limit reevaluation. 
XXXX. I am a person with a documented disability ( XXXX ) and am protected under the Americans with XXXX XXXX ( XXXX ), Title XXXX. 

XXXX Bank failed to provide effective communication or advance notice of this derogatory action. As a person with XXXX, I rely on accessible and clear communication methods. No written, oral, or digital notice was issued that explained or offered me the opportunity to contest the basis for this decision. The action was unilateral, discriminatory in effect, and denied me due process. 

Furthermore, the impact of this unjustified reduction caused my credit score to drop by 30 points despite my continued use, payment, and account standing being pristine. This action appears to be based on my available credit limits, not any misuse or mismanagement of my accounts. It is both retaliatory and punitive in effect, taken without regard to my XXXX protections or consumer rights under federal law. 

I am demanding the following : 1. Immediate reinstatement of my previous credit limit in full. 
2. A written explanation detailing : - Who accessed my locked credit file - Under what authority - When and how this access was initiated 3. Confirmation that XXXX will request a reversal of any negative scoring or credit bureau reporting that resulted from this action. 
4. Assurance that no further credit report access will occur without my express written consent. 

Failure to resolve this matter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, the Department of Justice XXXX XXXX XXXX for XXXX violations. I also reserve the right to pursue all civil remedies available for the financial and emotional harm caused by this discriminatory and unjustified action. 

Please respond in writing within XXXX ( XXXX ) business days. I expect immediate corrective action.

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 non-monetary relief