Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #6384477
Complaint Overview
Complaint ID: 6384477
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Arizona
ZIP Code: 85016
Date Received: 2023-01-01T12:00:00-05:00
Date Sent to Company: 2023-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My complaint is to report Transunion for horrible customer service and refusing to discuss details regarding my credit report & score. More importantly, Transunion has recently dropped my credit score XXXX points!!!!! I logged into XXXXXXXX XXXX XXXX XXXXo review all three credit bureaus records of my credit reports. NONE of the reports give a detailed account of why my credit scores either increase or decrease with each bureau. ( The XXXX score recently dropped XXXX points. ) I've called Transunion 3 times within the last XXXX weeks to get details on my report and scores prior to the XXXX point drop and the customer service reps would not discuss anything with me. The reps simply told me to look at the online credit report to find answers to my questions. I don't see the point in that when the reports give no details or insight to the activity on my credit reports. The reports are very vague! THIS NEEDS TO BE IMPROVED FOR CONSUMERS. Reviewing vague reports is criminal and limits the consumers ability to build a solid financial future as it relates to credit. The credit bureaus, such as Transunion, are quickly ruining my scores and credit, and I can't get any answers on why or how to fix the problem. I have one revolving account with my bank and 2 XXXX accounts. I have paid ALL accounts on time over the last 2 years and my credit score continues to SIGNIFICANTLY DROP! XXXX points is inordinate, especially when there is no record anywhere of why! I've worked VERY hard to improve my credit score to above 700. But what is the point if the credit bureaus are inaccurately reporting and inaccurately managing my credit report. It's angering that the credit score points will drop at high numbers, but when a consumer, like myself, does the right things and makes huge efforts to improve credit scores, they increase by one or two points at a time. That is absolutely iniquitous and oppressive! The entire idea of consumer XXXX scores is criminal and oppressive on its own, but that's another story, for another day. At the moment, I need to know why my score dropped XXXX points, given that I pay my bills ON TIME! And I need to know why the reports don't give thorough details on why scores increase or decrease.
Frequently Asked Questions
What is Complaint #6384477 about?
Complaint #6384477 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2023-01-01T12:00:00-05:00.
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.