Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019, I received a credit alert from three different monitoring agencies that I have subscribed, stating that my TransUnion credit score dropped 20 points. This despite drop occurred dispite fact that there has been no change nor has any derogatory information been placed on my file. Upon calling TransUnion, the customer service representative had no explanation to the drop in score. 

For the better part of the last year, I have been diligently working to remove erroneous and fraudulent matters that were attached to my credit file. Each one of my efforts, either through direct dispute with your company or through the Consumer Financial Protection Agency have been resolved in my favor. To date I have drafted, faxed, mailed and/or uploaded over 15 different matters to TransUnion which I disputed and had removed. 

None of these disputed and removed matters would have initially been placed on my credit file if your agency had done a modicum of investigation confirming the accuracy of the debt.

Because of TransUnions financial relationship with such institutions as XXXX XXXX and other credit lenders, there is an intentional effort to keep those trying to rebuild a credit rating from achieving that goal by sporadically and systematically manipulating the credit score downward, forcing the consumer into a high fee/high interest rate credit card situation. 


On XX/XX/2019, I received a credit alert from three different monitoring agencies that I have subscribed, stating that my TransUnion credit score dropped 20 points. This despite drop occurred dispite fact that there has been no change nor has any derogatory information been placed on my file. Upon calling TransUnion, the customer service representative had no explanation to the drop in score. 

For the better part of the last year, I have been diligently working to remove erroneous and fraudulent matters that were attached to my credit file. Each one of my efforts, either through direct dispute with your company or through the Consumer Financial Protection Agency have been resolved in my favor. To date I have drafted, faxed, mailed and/or uploaded over 15 different matters to TransUnion which I disputed and had removed. 

None of these disputed and removed matters would have initially been placed on my credit file if your agency had done a modicum of investigation confirming the accuracy of the debt. 

Because of TransUnions financial relationship with such institutions as XXXX XXXX and other credit lenders, there is an intentional effort to keep those trying to rebuild a credit rating from achieving that goal by sporadically and systematically manipulating the credit score downward, forcing the consumer into a high fee/high interest rate credit card situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation