Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: WA

Complaint narrative:
This correspondence responds to the XXXX XXXX Notice dated XX/XX/year> regarding the denial of my XXXX  XXXX  credit card application. Your notice states the decision was based in whole or in part on information obtained from a consumer reporting agency and identifies XXXX  as the agency used, along with a disclosed score and adverse factors. The notice lists the principal reasons as : lack of real estate secured loan information ; too few bankcards with high credit limit ; balances on accounts too high compared to credit limits and loan amounts ; and too many bankcards with high balance compared to credit limit. The notice does not state any delinquency, collection activity, bankruptcy, inability to verify identity, income, employment, or residence, nor any membership ineligibility. 

To ensure the adverse action is fully consistent with the disclosures provided and the requirements applicable to users of consumer reports, including 15 U.S.C. 1681m and Regulation B, 12 CFR 1002.9, I request that Alliant Credit Union provide a written response confirming XXXX of the following XXXX positions only : XXXX. Alliant confirms the denial was based solely on the reasons listed in the Adverse Action Notice and on information contained in the XXXX  consumer report used for the decision, and that no additional reason codes, underwriting criteria, policy overlays, internal risk models, internal account or relationship data, fraud or identity screening results, specialty consumer reporting agency data, affiliate data, or other non-XXXX  sources were used in any manner that contributed to the adverse determination ; or XXXX. Alliant confirms that additional reasons, criteria, or sources beyond those disclosed in the Adverse Action Notice were used in making the decision, in which case I request identification of each additional source category ( consumer reporting agency, specialty consumer reporting agency, affiliate, internal account or relationship records, fraud or identity vendor, or other third party ) and, consistent with 15 U.S.C. 1681m ( b ), disclosure of the nature of any information obtained from any person other than a consumer reporting agency that was used to deny or materially affect the decision, together with a clear statement of the additional reason or reasons actually relied upon. 

If any portion of the decision involved evaluation of my consumer file under name variations, prior surnames, partial identifiers, or internal cross-referencing of identity data, please state whether such evaluation occurred and whether it materially affected the adverse action. 

To preserve accuracy of the record, please confirm that the reasons stated in your response represent the complete and final basis for the adverse action as of XX/XX/year>, and that no post-decision supplementation, reclassification, or retroactive justification of the denial has occurred or will be asserted. 

This request is made solely to obtain clarity and ensure accuracy and compliance. It does not admit or deny the accuracy of any information, does not concede the propriety of the decision, and does not waive any rights or remedies available under federal or state law. 

All future communications regarding this matter are to be provided in writing only and mailed to my home address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation