Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
This has become outrageous and ridiculous. Month after month I do what it takes to raise my credit score with this company ( Transunion ). Everytime I raise my credit score, it drops more than what I've raised it with no explanation. For no absolute reason that should drop my score. I am a XXXX XXXX XXXXXXXX veteran and I suffer with major XXXX  disorder and this is causing me a tremendous amount of stress and tension in my life and my marriage. I call Transunion so I can get an understanding of what's happening and the managers I speak to have no idea of why my score is dropping. I've sent dispute after dispute, complaint after complaint and nothing changes. The CFPB hasn't regulated anything. I just PCS 'd from XXXX  to XXXX  and I'm trying to get a vehicle so I paid my utilization down to 6 %. My score went up XXXX points, then the very next day it drops XXXX points with no changes to my consumer report ( screenshots attached ). Noone can tell me why. Over the past few months my score has dropped over XXXX points on different occasions with no understandable explanation ( screenshots attached ). One time I had an inquiry removed and one of my account balances decreased and my score still dropped XXXX points. How? In XXXX all of these new inquiries were added that shouldn't have been and they dropped my score XXXX points, they were removed the inquiries within the same week but didn't give me any points back. I have an account with XXXX XXXX on my consumer report that has been closed for over 4 years now, but Transunion allows them to open and close the account pretty much every month. How is this account opening and closing repeatedly? I am so confused at what's going on. This is seriously damaging my efforts in obtaining a vehicle at this moment, which I need for my family and work. This is driving me crazy and has caused me several XXXX  attacks. Why is this company being allowed to violate and violate without any repercussions? Why is the Fair Credit Reporting Act in place? Why is the CFPB here if it's not going to regulate these violations once a complaint is submitted? I have good payment history which makes up 35 %, I have great utilization which makes up 30 %, I have 1 derogatory account that's years old so it shows as good, my total accounts is excellent and I have 2 inquiries. Only thing I have that may show as needing work is my credit age, which only makes up 15 %. So, how is my credit score at a XXXX? None of the accounts that are currently disputed show a disputed status on my consumer report, which by law it should. Nothing is adding up to remotely make any sense. I have been trying to resolve this without going the litigation route, but I'm being pushed to the limit where that seems to be the only option.

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