Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of three companies who are XXXX, XXXX, and Transunion. 

XXXX has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX. 


However, the credit XXXX XXXXXXXX by the name of XXXX, has verbally told me he could not understand why XXXX, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect BK discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and XXXX has my score at XXXX through the MY FICO app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in XXXX, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to XXXX with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!

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