I got a denial letter for a CC which said "based on the info on your equifax report, we are dening you. but... they pulled both TU and EFX. does that imply non PP or other violation?? they did not send me a letter that they checked or denied TU at all...
I believe they're required to notify you of which reports were pulled. If they pulled 2 and only tell you about 1 of them, this may be a violation.
Hmm, my last denial letters never pinpointed who they pulled, just gave me the address for the big 3.