Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
attempted to chat with transunion about my credit score drastically different that XXXX, XXXX XXXX they allowed less than 60 sec for me to reply. they ended my chat before allowing me to ask questions Dispute Temporarily Unavailable. 
Looks like theres a temporary error. 
What to do now : Please wait a few minutes and try again. Return to the Dispute Center. 
If this problem continues, you may choose to dispute by phone or mail. 
To report this error, contact our Website Access Support team. 




Login Security : Please check your email. 
Two-Step Authentication From time to time, we ask customers to take additional steps as a standard security protocol or to align with security enhancements. For your protection, additional authentication is required before you can log in. 
We have sent a 6-digit authorization code to the email address associated with your account : XXXX. 
Enter Code This field is required. 
SUBMIT Chat started at XXXXXXXX XXXX We care about your privacy. Please do not include SSN, account numbers or any other personal information, or submit disputes or complaints about your credit report. 
Hi XXXX, thank you for contacting Transunion. My name is XXXX. How can I assist you today? 
Transunion Support i recently applied for a medical loan through my doctors office and it was denied .. my credit score XXXXXXXX XXXX transunnion report showed a different crediti score than XXXX and XXXX XXXX XXXX I do apologize about any inconvenience and I appreciate your time contacting us today, I'll be more than happy to help you with your score XXXX PM It is important to know that there are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore model and may not be the credit score model used by your lender. 
Transunion Support credit report said my credit score was 500 something .. XXXX  shows XXXX XXXX XXXX PM Have you already tried to get a copy of your report or purchase your score with us? 
Transunion Support i hav a copy in my hands As a reminder you can get your report by visiting Transunion.com at any time and you can get your report each 7 days due to covid-19 until XX/XX/2022 through XXXX You can also purchase your score by {$0.00} by visiting those websites Transunion Support XXXXXXXX XXXX you cant purchase your score from transunion for XXXX cents .. the only options charge XXXX recurring monthly .. regardless that is not my reason for chatting XXXX XXXX Understood XXXXXXXX XXXX In this case based on what I mentioned before you will find different scores from us, XXXX XXXX or your bank because we do not share information or same credit score model each other Transunion Support XXXXXXXX XXXX Chat ended due to timeout

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