Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Trans Union Complaint XX/XX/2021 Trans Union Credit Reporting persistently declines to disclose the reasons WHY my credit report consistently drops. My own third party source lists from Trans Union a credit score of XXXX on a scale of XXXX, the former ( my own ) score which has consistently dropped. 

There are no reasons known to me as to what would account for the drops, most recently a >15 point drop assigned by Trans-Union , presumably based on reporting from third party sources. My credit score ( otherwise ) has been either perfect or near perfect for more than two decades. Near-perfect mean around 800 or above. 

I have NO outstanding debts or other reasons WHATSOEVER known to me that would account for the drops. Trans-Union also demands payment for information as to why it reports the data it accumulates about me from third parties. Trans-Union also previously ( several months ago ) promised to send a credit report via USPS. The report did not arrive. 

I tried again today, XX/XX/2021. I received scripted replies which AGAIN attempted to deflect Trans-Union 's federal responsibilities to me, which means that Trans-Union demands that I must first contact third parties. I am apparently unable to obtain my credit EXPLANATIONS ( as distinct from a report ) DIRECTLY from Trans-Union without paying {$9.00}. I decline to do that.

I have explained to Trans-Union that I have no burden to first request explanations from reporting parties UNTIL AND UNLESS I FIRST RECEIVE directly from Trans-Union its ' OWN reasons for assigning credit scores. I will then and only then follow-up with third ( reporting to Trans-Union ) ) parties AFTER ( but not before ) I receive information/explanations from Trans-Union itself. 

This prevents Trans-Union from again deflecting its reporting burdens to third parties, the latter which then allows Trans-Union to rationalize its own reporting errors and/or faulty credit assessments. I intend to FIRST receive explanations from Trans-Union regarding its own reporting obligations. I will then ( and only then ) contact the third reporting parties to see if the explanations from both ( reporting parties and Trans-Union ) are consistent.

Please instruct Trans-Union to : a ) provide in writing my credit score ; and b ) elaborate the treasons WHY ( which internal rules explain ) my present score which continues to drop ; and c ) also discloses its own reporting sources for the credit changes ; and d ) also provides in writing the name ( s ) of any other third parties XXXX XXXX for example ) which may have received incorrect or fraudulent data from Trans-Union.

Finally, and as I have previously mentioned. Trans-Union XXXX read from prepared scripts that appear to be designed to either rationalize non-replies or deflect requests for explanations to third parties rather than directly provide its own explanations to persons whose credit scores are created ( managed ) and affected by incompetent credit scores created by Trans-Union..

The contact number for persons who intend to demand that Trans-Union FIRST disclose it own ( internal ) reasons for credit scoring is is XXXX.

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