Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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

Complaint:
I have filed a complaint through the CFPB twice before regarding the same issue and TransUnion has failed to address the sole issue both times. 

Issue that needs to be addressed : TransUnion has been unable to provide a copy of the same credit report that was pulled by my insurance company on XX/XX/2020. 

Per their last response, the following are all things they brought up that are not relevant to my complaint : " Keep in mind, insurance companies may have access to other insurance company inquiries '' " Certain collection companies may have access to other collection company inquiries '' " Users of a report for employment purposes may have access to other employment inquiries '' " You will need to contact your insurance company directly for the specific reasons why your premium increased based on their review '' " TransUnion does not grant or deny credit. '' " Therefore, we are unable to take a dispute regarding a credit score as the score is based on items reporting to the credit file. '' " In addition, there are many different scoring models that a creditor may have used to determine the consumer 's credit worthiness. '' " It is possible Transunion 's score may differ from another source 's score. '' " You will need to contact the lender directly for more details regarding the scoring model they used. '' " For more information regarding the score, please visit our website https : //www.transunion.com/credit-score A score is a statistical tool used by some creditors to evaluate information associated with extending credit to a particular consumer. '' " Risk is predicted by means of a scorecard, which calculates the numeric value, or score, for each credit applicant or account holder. " " The score is calculated as a result of data processing activities performed by TransUnion for a creditor after the credit report is assessed, based on statistical analysis. A score is not part of your credit report, and is not calculated for all creditors. Scores are calculated only upon the request of a creditor inquiring on your credit report. TransUnion does not make credit decisions, and does not maintain information on how a specific creditor uses a score. '' " You can contact the creditor directly to discuss how your score was used. As the information in your credit report changes, the score will change. Credit history information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. '' NONE of these factors address my sole concern : Obtaining a copy of the same credit report that was provided to my insurance company on XX/XX/2020. I am asking for a copy of this report. 

Please see CFPB complaints : XXXX & XXXX for additional information.

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