Sub Prime Loans Camouflaged As Credit Building Loans

Be careful with this credit union, which serves predominately minorities. Every month they offer loan ' specials' and 'credit building loans ' both have extremely high interest rates, and when you apply for one of these loans, you never get the full amount of money you asked for, but they will report that you did on your credit report. Example: you apply for a 2 thousand dollar 'credit building loan' they give you 1300, and they keep the 700, then report to the bureau you have a loan out for 2 thousand even though that's not what you received in reality. Also they advertise these ' credit building loans' but only report one credit bureau, transunion. Bc transunion is based out of Chicago it does not cost them anything. Question: how can you advertise to build someone's credit, but only report their payments to Only One Of The Three reporting bureas?????????????