Product: Credit reporting or other personal consumer reports

XX/XX/2023 To Whom it May Concern : This is my third complaint, filed with the CFPB and my second fax to XXXX XXXX. 



Attached you will find an individuals credit account statement from Trans Union XXXX XXXX ( the Credit Report that XXXX  uses to make all its credit decisions ) from an individual, a family member, who has given me permission to use as an example. I have attached XXXX screen shots showing that TransUnion is not reporting correctly and I have expressed this to XXXX multiple times. XXXX does not report timely or correctly to TransUnion ; however, they base their credit decisions on this report. They clearly can see that information contained in the TransUnion report is different from what their systems show and they continue to negatively affect this consumer based on false information. As shown in the report of this individual, her TransUnion report is showing that she has zero ( 0 ) delinquent accounts. This information is false. This individual is 4 months behind on all her credit accounts ( this will show in the subsequent report attached from XXXX ). This person holds multiple accounts service by XXXX which XXXX ( XXXX ) have been closed. XXXX ( XXXX ) have had their credit limit reduced. XXXX ( XXXX ) have reported to the TransUnion Credit Bureau as late. XXXX ( XXXX ) have notified her that her charging privileges have ceased. XXXX!!!!! So, with that factual information, why is XXXX closing accounts, reducing available credit in my name when I have paid as agreed, never been over my limit, never a late fee AND have advised XXXX of these discrepancies. I have provided XXXX documentation of the incorrect information through facsimile on XX/XX/2023. I have not received a response. I did, however, receive a letter ( attached ) on XX/XX/2023 from XXXX  advising that they closed an additional account I had, paid off months earlier, with the store XXXX XXXX. Once again the letter contained statements as to why they made this decision which, once again, was based on incorrect information by TransUnion. 

XXXX refuses to acknowledge that they are clearly aware that they are using false information to negatively affect ones credit. By XXXX using this data from TransUnion and moving forward to close my accounts, they are taking away available credit, and future payment history, accounts in good standing and open accounts which affects my overall credit score. By XXXX using this data from TransUnion, and moving forward to reduce my credit on accounts, they are taking away my available credit, and future payment history, accounts in good standing and open accounts which affects my overall credit history. By XXXX not reporting timely and correctly to TransUnion and then subsequently using data from TransUnion to make decisions on my credit with XXXX, they are clearly and knowingly harming my credit. 

XXXX and the acts in which it has taken to negatively impact my credit are unjustified. I have talked to representatives, XXXX, XXXX and XXXX all concerning these issues and each one cant explain why this is happening. Each one suggests writing the corporate office, which I did on XX/XX/XXXX and providing them documentation. I have not received a response. 

I am once again writing them ( copying them on this letter ) and attaching documentation from XXXX ( XXXX ) separate individuals showing the following : XXXX Separate Individuals : Continue to have open accounts with XXXX  while continued delinquency is nearing 5 months of non-payment. 

Have not had or received notice of the accounts being closed. 

Have not had or received notice of their credit limits being reduced. 

Have not received any negative reports on their TransUnion Credit report. 

However, with My XXXX Accounts My TransUnion report has been affected by remarks of closing my account by XXXX  My credit limits have been reduced My credit accounts have been closed. 

My TransUnion report has not been timely or correctly updated. 

These credit decisions from XXXX have ruined my credit and credit file. For no other reasons is my credit score decreasing in points. These rituals performed by XXXX have caused the following harm on me and my credit file. 

I have been turned down for credit line increases. 

I have been turned down for new credit. 

I have been turned down to rent a home. 

I have been turned down to rent an apartment. 

I have been questioned with regards to a loan. 

This is discriminatory as I have proved with the attachments showing that XXXX other individuals ( and more people are contacting me everyday with similar situations ) have credit scores lower than mine, many more derogatory accounts, have not paid in 4 months or mone, have upwards of {$300.00} plus in fees and payments missed, HOWEVER, they still have an OPEN account and are able to charge. Their accounts ( plural ) with XXXX have not been closed or had the credit lines reduced. This is willful and intentional harm that XXXX continues to consistently seek me out to destroy my credit file. 



XXXX XXXX XXXX XXXX cc : XXXX  File Attorney General CFPB