Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Company is reporting incorrect information about me and/or my current status. It has placed wrong discriminatory information on may account listing my status as " Retired '' This occurred during an error by a so called soft inquiry which was supposed to have no effect on my credit report. The company is working directly with creditors ' and/or has a conflict of interest. They are willfully involved in the " Unfair Credit Score Shell Game Scam ''. and/or doing everything possible place me in a category that is derogatory degrading and/or deformation of my character. It dose not reflect my creditworthiness ' my low credit utilization rate, my actual situation, assets, income to debt ratio, my income to credit ratio. They are profiling against me because I am doing proper management low credit utilization rate by not having a bunch of credit cards and/or managing lower interest rates. They make it as there are no payment history on prior mortgages. They profile against me because all my prior Mortgage loans and credit cards used where paid in full then close which is part of my management of my income to debt ratio and/or low credit utilizations. The entire system of the " Unfair Credit Shell Game Scam '' is very dangerous and as we been reporting unhealthy for economics it does not reflect the most important things in reference 's to creditworthiness and can easily be abused at the cost of everyone. 

For example its not based on your assets, borrowing then paying back in full. Its based on a impossible to prove accuracy models called " Credit Scores ''. 

Let me give you an example. A person who has no assets, does not have income and/or any mortgages. They go and get two credit cards they use them to do everyday purchase 's for example to pay bills, food, gas etc. They keep them below 30 % their " Unfair Credit Score Shell Game Scam ''. Will quickly go to the 800 's and that is because of a model that is designed for disaster and is like a bubble that will burst especially during toxic times and/or in the current economical times. 

They then go for the gusto full blown amount then they beat the creditors or fail to pay. The walk away with the money that they got and/or sold off the assets obtained by the credit cards. Note this is a common tactic used by XXXX  XXXX  etc. Then what occurs? 

There are no assets they don't have any income and/or never should of been granted the credit in the 1st place this is exactly what occurred during the housing crash that was the purpose of creating the CFPB. Those that benefited from that are hedge funds who had insurance on the failure of the same loans which they sold to some investor who lost and/or the same entities we are complaining about. 

I know of such people who no way should qualify and have very high " Credit Score Shell Game Scam ''. 

This must be addressed especially in such economics. Its forcing those who have not done those things and are able to maintain things from not doing anything. They are not buying properties, cars etc. because like me they refuse to have a higher debt to income ratio as well as pay ridiculous interest rates while the rates are so low. 

This whole " Credit Score Shell Game Sham '' needs to be addressed we have relentlessly been trying to get it addressed. 

I will be ok and survive as my actual history proves why because of my proper managements and/or my continued services to this nation. 

These colors red white and blue never fade nor do they run from any battle. In fact I run towards them be they ; wars in a real military 's branches not some rag tag extremist XXXX XXXX being funded by the very same entities we are complaining about and/or their enablers. 

Be it the war on Covid19 or any other war you will find I ran to it and registered with the proper authorities and/or honest decent people government agencies and/or lobbied for change. 

We again compel anyone reading these reports to do the correct thing and assist me in doing something about it to bring a positive change and work hand in hand with the current government and/or any other future government 's to avoid crashes and help make it so the average responsible person is not a victims of the " Unfair Credit Shell Game Scam ''. 

We must do all we can to get things flowing again and always try to help others in the process be it by making affordable hosing  helping them during hard times and working with anyone who is doing the correct things. Enjoying in good and forbidding evil. Even if its helping just one person it matters. 

This life time span can not be measured when you compare to to forever try to do that math. We will be held accountable if not here then in the hereafter. Anyone reading this will not be able to say a XXXX did not come to them about that. The score we should all be worried about the most is that one. 

Thank you for reviewing this complaint.

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