Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Transunion employee at XXXX ; XXXX XXXX  on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's 2 items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he XXXX refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just XXXX XXXX is a secured acct Iam on safer credit building but have not gotten 1 increase on my score. i tried to get a mortgage from the first-time home buyer Transunion hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. Transunion deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX  myself where they XXXX mailed me a copy of the letter to all XXXX bureau XXXX XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. Transunion has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because Transunion has been refusing to comply to the law by neglecting to do as told. Transunion refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only 1 week. the other 2 reporting agency did as i requested but Transunion felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only 10 percent of Transunion 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building XXXX XXXX has no reported credit limit. Transunion and XXXX are XXXX my credit score. i disputed this with XXXX as well and it went in my favor because i am protected by XXXX  with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report

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