Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Based on Transunion data LISTED IS MY RECENT TRANSUNION REPORT Credit changes Current score XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX to XXXX We found 2 changes to your Transunion credit report. 
Balance Decrease positive change : XXXX XXXX Balance Decreased by {$370.00} positive change : XXXX Balance Decreased by {$160.00} XX/XX/XXXX XXXX XXXX to XXXX We found 2 changes to your Transunion credit report. 
Balance Increase negative change : XXXX XXXX  Balance Increased by {$370.00} Collections Balance Decrease positive change : XXXX XXXX Collection Balance Decrease of {$950.00} XX/XX/XXXX XXXX to XXXX We found 1 change to your Transunion credit report. 
Balance Increase negative change : XXXX XXXX Balance Increased by {$1000.00} XX/XX/XXXX No score change We found no changes to your Transunion credit report. 
XX/XX/XXXX XXXX pts to XXXX We found 1 change to your Transunion credit report. 
Balance Increase negative change : XXXX XXXX Balance Increased by {$4.00} Hide changes XX/XX/XXXX XX/XX/XXXX XXXX to XXXX We found 3 changes to your Transunion credit report. 
Balance Decrease positive change : XXXX XXXX  Balance Decreased by {$2200.00} positive change : XXXX XXXX  Balance Decreased by {$260.00} positive change : BELOW CHAT WITH TRANSUNION Thank you for contacting TransUnion, this is XXXX, how may I help you today? 
Transunion XXXX trans union score today is XXXX increased only by XXXX points or credit cards have been reduced to a XXXX balance and all collections have been paid off on XX/XX/XXXX my score was dropped by XXXX points to XXXX on XX/XX/XXXX my score was the horrendously dropped by XXXX points to XXXX the combination of XX/XX/XXXX and XX/XX/XXXX my score increased to a high of XXXX As of today, my credit report is in better shape than it was on the high of XX/XX/XXXX at XXXX yet my credits goes only increased by XXXX points to XXXX This is absolutely and emphatically and unfair business practice both XXXX credit cards or down to XXXX the XXXX 's credit card down to XXXX the outstanding debt on the XXXX credit card has been paid to XXXX XXXX outstanding balances collections have been paid off and closed. 

So, with all of the positive intervention by myself on my credit report, why has not Trans Union taken us all into consideration. Why have I not been provided with the appropriate much higher credit report my score should be well over XXXX at this time came through we do at this XXXX XXXX! I am sorry to read about this situation, however I will be glad to assist you today XXXX XXXX In a court of law, this would be considered discrimination We need to take in count that we use a third party scoring model to calculate your score, which is the VantageScore 3.0 model. The score is divided in sections which not only your payment status is the only one influencing what is your score today In this case I would recommend you to verify the score factors provided to you by the system XXXX XXXX all of these factors you are referring to have been taken care of with + results it is in simple black and white I am sorry XXXX but this is a mathematical formula that take in count several factors to calculate your score. It is important to get educated with this factors to understand your score XXXX XXXX i do not have too verify my score factors you need to practice XXXX business you are incorrect In these cases we recommend you to contact a credit advisor that can help you identifying what is causing your score to drop Transunion Support Chat Ended by Agent THE AGENT JUST CUT ME OFF! 
THERE IS ABSOLUTELY NO CLEAR JUSTIFICATION FOR THE ACTION OF THE AGENT AND TRANSUNION

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