Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, XXXX and Transunion that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX   XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX, Friends of the Family in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX situation.. It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. This is not helping the consumer. 

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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