Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #7392285
Complaint Overview
Complaint ID: 7392285
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: West Virginia
ZIP Code: 252XX
Date Received: 2023-08-12T12:00:00-05:00
Date Sent to Company: 2023-08-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I don't remember the dates as its been a while since I first brought this process credit reporting companies ( Transunion ) manipulating my credit score based upon arbitrary and capricious determinations. Instead, they are basing the score on the number of credit cards I use ( 3 ) rather than my excellent payment record and credit with the credit card companies. I brought this to their attention previously and as I stated it's been some time ago. But recently, XXXX when I received my billing online from the credit card company the also a service provide a FICO score. This is where the problem occurs. In or around XX/XX/XXXX and prior to that date ( I've had this service for quiet sometime. At the highest score in or about XX/XX/XXXX the FICO score was, XXXX. I then dropped XXXX points for no obvious reason. I obtained a COPY OF MY CREDIT REPORT AND REVIEWED IT AND THERE ARE NO ADVERSE SITUATIONS SUCH AS, PAYING LATE, EXCEEDING MY CREDIT LIMIT, CARDS BEING CLOSED DUE TO DELINQUENCIES, OUTSTANDING DEBT, BANKRUPTCY, ETC. THE ONLY 'REASONING ' TRANSUNION GAVE IS THAT I USE XXXX DIFFERENT CREDIT CARDS TO MAKE PURCHASES. NOT, THAT I HAVE AN EXCELLENT CREDIT REPORT, PAY TIMELY, HAVE NO ADVERSE REPORTS FROM CREDITORS, DISCHARGES OF DEBT, LATE FEES AND INTEREST, ETC. For a period between XX/XX/XXXX thru XX/XX/XXXX my credit score has went from a high of XXXX to a low of XXXX. This is when Transunion uses an arbitrary and capricious determinations to recalculate your credit score. I'm thinking realistically it should have increased to the maximum credit score,XXXX I pay timely, even before the due dates in most cases. Even when having the account set up with what is referred to as, Autopay ( a directly withdraw from my financial institution monthly. Thanks, for your checking into this obvious intentional manipulation of my credit score.
Frequently Asked Questions
What is Complaint #7392285 about?
Complaint #7392285 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 2023-08-12T12:00:00-05:00.
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.