Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received this letter from a credit card company " Regarding your XXXX Cash Back Visa account ending in XXXX Dear XXXX XXXX, Based on a recent review of your account, XXXX XXXX   has lowered your credit line to {$1400.00}. Your account remains open and available for use, subject to the new credit line. 
Our decision was based in part on a credit scoring system that was used to predict your creditworthiness. 
The reason ( s ) listed below indicate the credit characteristics where you did not score well. 
NO OPEN REAL ESTATE SECURED LOANS IN YOUR CREDIT FILE TOO MANY REVOLVING ACCOUNTS WITH HIGH BALANCE COMPARED TO CREDIT LIMIT TOO MANY INQUIRIES TOO MANY BANKCARDS WITH HIGH BALANCE COMPARED TO CREDIT LIMIT Some information used to make this decision was obtained from the consumer reporting agency listed below. This consumer reporting agency did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. 
nformation about your External Credit Score used in this evaluation for credit In addition, we also obtained an external credit score from the consumer reporting agency listed below and used it in part in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. The credit score below was developed using standard industry methods and was used in evaluating the action taken on your account. The credit score may differ from the score you may obtain from a consumer reporting agency. 
Your credit score : XXXX Date : XX/XX/2019 Scores range from a low of 300 to a high of 850 Key factors that adversely affected your credit score : NO OPEN REAL ESTATE SECURED LOANS IN YOUR CREDIT FILE TOO MANY REVOLVING ACCOUNTS WITH HIGH BALANCE COMPARED TO CREDIT LIMIT TOO MANY INQUIRIES TOO MANY BANKCARDS WITH HIGH BALANCE COMPARED TO CREDIT LIMIT While the date of the credit score may not be recent, your score has likely not changed significantly since this date. We receive updated scores on a periodic basis, and when significant changes occur " NO OPEN REAL ESTATE SECURED LOANS IN YOUR CREDIT FILE I am not happy how Trans Union damaged my imaged and make these mean presumptions about my financial possibilities to make future payments. I used to have 2 real estates and I decided to live in rent, such rumors are coming about a possible crisis again and I don ; t want be part of it, then why they would report me that no real estate as long as I had 2 of them and was good on making payments. 
Also show me a person who does not have credit cards? I am going through an event in life, such as divorce, moving in another state and this made me to use my cards, because are some extra expenses to adjust my new life. I do have a stable job, I have a lease for one year then why all of these mean information that credit bureaus are sending out, assuming that I am a potential bad financial troublemaker? This is a damage to my image and I want to make these credit bureaus to stop these threats and inaccurate reporting. Credit cards companies are making money with such people like me, because I am paying them interest for money used. 
I want to make sure that XXXX credit card companies in fact is The XXXX XXXX now changed with XXXX behind them, to give me back the credit they decreased, from {$1800.00} they decreased it to {$1400.00}. These incorrect reporting will damage my image and will make other creditors to do the same on my credit cards, as I am deepening on now. I made all my payments on time, for the past 12 years, then is no reason for concerns. 
Thank you Sincerely XXXX 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