Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.