Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Misrepresentation by Transunion which includes. 
Credit Usage says N/A or XXXX credit usage. 
Transunion neglected to report XXXX XXXX XXXX XXXX XXXX which is 30 % of XXXX XXXX XXXX XXXX to XXXX XXXX. 
XXXX XXXX has more than 4 Accounts which is being reported as XXXX XXXX XXXX and is an inaccurate representation to XXXX XXXX by Transunion as the Account Mix representation-the account type says 2 when it should say 4 account types and 4 accounts with a revolving account. 
XXXX XXXX has more than 4 accounts with the 5th being a XXXX revolving account which impacts XXXX XXXX. 
Lowering the age of Credit History by not reporting the 13 years oldest of Loan Misrepresentation of Age History should say 6 years because oldest account is 13 years old to credit XXXX fico score. 
Not reporting Credit building accounts and payment history on time to credit score and accurate numbers therefore low impacting credit score in an inaccurate portrayal.

This shows lenders an inaccurate portrayal and misrepresentation of payment history due to credit pulls and investigations of privacy intervention. 
Adverse Effects of Advertising of Credit Cards which appear on Credit Sesame account due to Credit Reports from Transunion credit score.

Credit Cards with high approval rates according to XXXX XXXX credit score and advised to apply and get credit card. 
When consumer applies for the credit card their credit score gets damaged and or lowered due to being denied and unnecessary credit hard pulls after credit score has been reviewed with inaccuracies and put back of old information that were removed by Transunion. 
Negligent removal of and equal to altering Credit History with an attempt to misconstrue XXXX XXXX understanding of his Credit Report, Credit History and Credit Chart access. 
Transunion Inconsistent and noncompetitive reporting with other bureaus and therefore not providing accurate credit report data to the consumer and lenders. 
Constantly putting back payoff, reported disputed debt and increasing the age of the debt to be wiped off from Credit Report whilst not notifying the consumer in a timely manner to dispute ..so the consumer can dispute inaccuracies on his credit report. 
Transunion was contacted by XXXX XXXX and was spoken to by Transunion Supervisor. 
Phone service takes 3 hours to answer and pressing the 1 button as asked either ends the phone call or submits the consumer to text with a waiting time of 4 hrs. 
Transunion supervisors leaving Information that has been written off and taken off file then blaming information on computer Algorithms whilst telling the consumer in a rude threatening loud way to report to the CFPB because they are not knowledgeable in their computer data. 
Transunion Invasion of privacy and threatening notes of Data sent to mail address and inconsistent investigation with proven no results with equal to printing out the credit report and sending to consumer without receipts, contracts and showing how they investigated and delinquent actions, they took to appease the consumer. 
Equal to printing out the complaint and spamming the consumers mailbox. 
Including not informing the consumer to Dispute. 
Transunion negligent, keeping wiped off increasing debt ratio on XXXX XXXX account. 
Respectfully XXXX XXXX has mistrust in Transunion ability to fair Credit Report and provide accurate data to lenders by Law.

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