Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To CFPB : Re : INACCURATE CREDIT SCORE, UNREASONABLE CREDIT SCORE CHANGES, UNEXPLAINED FLUCTUATIONS I am writing to seek help regarding my credit score activity. My finances are simple : mortgage, car, and 1 credit card. I am enrolled in XXXX and have a disciplined approach to spending. I have worked years to repair, and improve my credit standing and I take it seriously when points drop for no apparent reason, especially when the number of points dropping are significant. This complaint may not be as dire, compared to others whose situations involve losing a home or greater, but I am sending this complaint just the same, in the hopes that maybe someone in your office can see a pattern concerning indiscriminate, unfair, and even reckless treatment of consumer credit scores. These are not just numbers. Credit scores affect lives and opportunities. Here are the details ( also see upload doc 7pages ) : XXXX Credit Report : On XX/XX/2021, my mortgage in Quicken Loans, LLC was transferred to XXXX XXXX, XXXX ( XXXX XXXX ). This transfer resulted in a dramatic drop of my credit score. Specifically, my XXXX Credit Report dropped 31 points on XX/XX/XXXX XXXX XXXX XXXX report ). I have received disclosures from both companies. In the sections of both disclosures, it did not mention that it would have an adverse effect on my credit score. Why did my score drop? Why am I punished for this? I have no say as a consumer when a company transfers the servicing of my loan to another. Consumers can not opt out of this. The drop in credit score is so damaging, and no one can explain this to me. The activity is being treated as if the account was closed due to delinquency. That is not the case. I think if loans are transferred, this should not affect the consumers credit score. Is there a statute that mandates this? 

On XX/XX/2021, my score dropped 13 points. This is unreasonable because my record shows I am in good standing. There is no basis for this significant drop. I think there should be strict guidelines on when it is permissible to reduce a consumers credit score. 

TransUnion Credit Report : On XX/XX/2021, my score dropped 22 points. This is unreasonable, outrageous, and ridiculous because my records show that I am in good standing. I think there should be strict guidelines for changing scores, and consequences for companies for changing scores without proper basis. The burden is always on the consumer to correct records. 

On XX/XX/2021, my score dropped 12 points. Again, this is unreasonable and unfair, because I did not even have any activity in my account which would trigger this. Was this drop due to inactivity? I think companies should not penalize people for non-activity. It is simply a consumer trying to save money. 

I have paperwork stating that I am in good standing, no late records, no hard checks on my account. I have reviewed my credit details, credit activity, and there is no fraud activity, no one messing with my accounts for me to suspect the significant drop in my credit may have been from someone else using my credit. I am already doing my best to have sound credit, but there seems to be other operations at work here, that regardless of how well I work and try my best to pay on time, someone behind the scenes is screwing, negligently recording, or have processes in place that are damaging my credit standing. Who is responsible for making these abrupt, harmful changes in my credit score? Are there thresholds used as basis? 

I am a single mom, with humble means. A reliable credit score is all I have. I have done my own review and research in XXXX XXXX, XXXX XXXX, XXXX and XXXX but no one can explain to me why my score would drop significantly, arbitrarily, and without reasonable basis. I do not know where to turn. I am powerless over the manipulated way by which my credit score is being played with. Please help. 

Respectfully, XXXX