Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, Trans Union once again is not honoring me as a customer & has incorrectly lowered my score.Their computer generated algorithm is WRONG. My account from XXXX XXXX was recently reported to Trans Union, after not being report for XXXX because the account was in a hardship program bcz of covid & then when it was reported it showed an increase of just {$14.00} just because of interest, which {$14.00} doesn't hurt my over all utilization at all. BUT my score went down XXXX points! UNBELIEVABLE! Makes no sense, because this didn't happen with any of the other bureaus with the same reporting information. As of last couple months I have been a better financial situation & paying down balances, just in month of XXXX so far have paid off over {$1000.00} between XXXX credit card accounts, such as Self Financial {$280.00}, Capital XXXX {$200.00}, XXXX {$100.00}, XXXX, {$100.00}, Prosper credit card {$100.00}, ETC. & NOT XXXX POINT DID I RECEIVE! NOT XXXX!! I KNOW HOW PAYING DOWN BALANCES WORK, MY SCORE SHOULD GO UP, NOT DOWN!! I PAID OVER {$1000.00} SO FAR IN THE MONTH OF XXXX & NOT XXXX POINT MY SCORE WAS RAISED BUT AN INCREASE OF {$14.00} XXXX XXXX ACCOUNT XXXX TRANS UNION LOWERS MY SCORE XXXX POINTS?? XXXX points is a lot to lose when you're working so hard on building your credit to buy a new home, car & for my businesses! I'm disappointed & tired of been treated unfairly as a customer! I don't understand, why all the work I have done in the past XXXX & they keep knocking me down. XXXX it is was XXXX points for incorrect reporting on a credit XXXX account saying it was closed & not & dropped my score XXXX points & now because XXXX reports a increase of {$14.00} my credit goes down XXXX points!! I should be gaining XXXX points not loosing! when I have paid off thousands of dollars in the last XXXX & I'm getting no where with Trans Union XXXX When XXXX XXXX XXXX my scores are growing with the same info. I just don't understand this, It's truly unfair & so discouraging! Trans Union knows most lenders use them & buying homes & cars they check often all 3 bureaus & my XXXX Scores on XXXX is XXXX ( vantage score XXXX ) & XXXX XXXX XXXX ( vantage score XXXX ) how is Trans Union no where close to the same, with a XXXX score still of XXXX & ( XXXX XXXX & it was just only XXXX ) I understand different bureaus have different ways they configure scores but it is the same info & shouldn't be too much different. I cant even seem to get my fair points to get over a XXXX for XXXX by now, when XXXX scores are what most lenders use. I'm tired of being lied to by Trans Union & them not giving my points for paying down balances! I have nothing negative on my credit reports but a few High balances, I have been paying down & still not XXXX point!! THIS IS SO DEVASTATING!!

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 non-monetary relief