Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
reduced to XXXX, for reasons unknown to me, I attempted to rectify the issue with the credit reporting agencies. This was a completely frustrating experience, subsequently garnering no favorable results. After some time had passed, I reviewed my credit score information, to see if my score and payment History had been restored, to what I previously saw, before they reduced my credit score to XXXX, while having also wiped away my entire payment History. What I discovered, is that my credit score went from XXXX to N/A. I am seeing on their report, that I never had a payment History associated to my vital stats, and also that this account is relatively new, with no payment History of any type, that applies to me or their database. This is completely fraudulent. Prior to this, when they reduced my score to XXXX, while removing my payment History. I was given the explanation " it takes time to build good credit '' with advertisements of credit cards, to re establish my credit score on a percentage of what I buy. This is theft, with an attempt at perpetrating extortion against me. Their explanations for reducing my score to XXXX, is because I never had a line of credit established through any lender, or credit card. Everyone else that I know, who has never owned a credit card, or assumed a loan from any financial lending institution, still has their favorable credit score intact, based upon timely payment History. I was lied to, by the reporting agencies that my payment History was not a factor in calculating my score. I was lied to by the credit reporting agencies, that I had no recourse in reporting this illegal activity to any overseeing authority, and that I was obligated to do everything their way, to re establish my credit score. It would appear that they have taken punitive action against me, for filing the initial complaint by eliminating a XXXX score, to one of being N/A. Again, their explanation is that there is no payment History associated to this database, and that it is relatively new. Prior to all of this, I was able to review all of my payment History, with a credit score rating, although I had never established any type of credit, through a financial loan institution, throughout my entire lifetime. People that I have spoken to, have never heard of anything like this, having been done to anyone that they know or knew. I am wanting an explanation as to why that they have apparently singled me out, and are perpetrating this criminal action against me. It is criminal based upon the fact, that they are not doing this to anyone else, this would be categorized as discriminatory. They have eliminated my credit score to XXXX, based upon fraudulent reasons. They are attempting to coerce me into re establishing my previous credit score from XXXX, by obtaining a credit card, to purchase everything at a higher percentage. This would be categorized as extortion. This is not their standard practice, of calculating any individuals credit score, subsequently causing them to perform any of the actions. Everyone else who has their favorable credit score intact, is based upon timely payment Histories, with no open line of credit through any financial loan institution. Again my score was reduced to XXXX, attempts were made through them, to buy it back at a higher percentage of the normal cost of products, by securing a credit card that they were advertising. This is theft, discrimination, extortion attempt, and fraud based upon the fact that they do not calculate credit scores, with this being a standard method that would apply to everyone. They are perpetrating this method of credit score calculation, solely upon me. They have now gone so far as to lie, that my payment History database never existed. I can prove beyond any reasonable doubt, that I do in fact have a payment History, associated to my vital stats, and that they are fraudulently claiming it has never existed. I am wanting to know what their motives are, for perpetrating all of this illegal activity against me, and where they originated from. For the last time, this is unheard of by everyone that I have spoken to, and this isn't happening to them, or anyone that they currently know, or ever have known throughout their entire lives. The reasons that the credit reporting agencies are giving to me, as an explanation for perpetrating all of this against me, are completely falsified, and are therefore criminal in their actions.

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