Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5399185
Complaint Overview
Complaint ID: 5399185
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: XXXXX
Date Received: 2022-04-02T12:00:00-05:00
Date Sent to Company: 2022-04-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Around XXXX my TransUnion FICO score dropped XXXX points from XXXX to XXXX. The reason given was lack of a non-mortgage loan ( I saved and bought my house, and cars, with cash to avoid interest, and have no need for a loan right now ). I heavily use 5 credit cards, some over XXXX, paying each multiple times per month, and never once in all these years carried a balance forward to the next month. They know this, but somehow, to TransUnion, multiple varying accounts paid multiple times per month is nothing compared to dealing with a single, fixed rate, unchanging, single monthly payment on a loan amount my monthly credit card balances alone would easily exceed, to the extent of suddenly docking my credit score XXXX points. Accordingly, I am led to believe that TransUnion may be gaming the FICO system for the benefit of itself and their bank clients by attacking the credit ratings of banking 's safest customers in an attempt to edge such customers into a safe and profitable loan product for their bank clients. I bring this suspicion to your attention, and that is all. Thank you.
Frequently Asked Questions
What is Complaint #5399185 about?
Complaint #5399185 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-04-02T12:00:00-05:00.
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.