Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7204839
Complaint Overview
Complaint ID: 7204839
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 11372
Date Received: 2023-07-04T12:00:00-05:00
Date Sent to Company: 2023-07-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023 I applied for a credit card XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX. My application was denied because XXXX XXXX XXXX informs me in the application decision that my Trans Union credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. I contacted the Trans Union company and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. I contacted the credit bank XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX XXXX and a manager responded to me informing me that the only way they can reconsider my application is for Trans Union to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. I contacted Trans Union again and they do not have a letter format to send to XXXX XXXX XXXX bank the rectification that there is incorrect information in the decision of my application for the XXXX credit card. Only they can give me a copy of my credit record, which I should send to XXXX XXXX XXXX so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. I ask that Trans Union please inform XXXX XXXX XXXX that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. I also request that XXXX XXXX XXXX reconsider my application based on the response to be provided by Trans Union, which shall report that the information in the negative credit card response provided to me by XXXX XXXX XXXX is incorrect. Attached the XXXX XXXX XXXX credit card refusal response, where it shows that they are based on information obtained from the company Trans Union.
Frequently Asked Questions
What is Complaint #7204839 about?
Complaint #7204839 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-07-04T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.