Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2022, my credit score plummeted by XXXX points, but only with Transunion. I tried to get an answer as to why it plummeted when the only things that changed would have caused my score to go up, not down. They refused to tell me. They said they did not see anything different on my report, yet my score went down by XXXX points. In addition they have XXXX hard credit checks but I have no idea who submitted the checks. Transunion told me I would have to know the date and company who ran the checks in order to dispute them, but if I did not authorize the credit checks, how am I supposed to know that? I spent an hour and a half on the phone to basically be told they have no answer as to why my credit score dropped and I should look at my credit report. I spoke with XXXX who barely spoke XXXX AND he said he did not see any changes on my report for the month of XXXX but that Transunion does some secret magical calculation on reports so he would not be able to say why my score changed even though there were no changes just on time payments on my account. I also asked for them to remove a debt that is over 8 years old and was told they can not take that off my credit until the creditor closes the account. What good does that do? A creditor will leave an account as a collection forever if you let them. So they refused to take the hard credit checks off my credit and could not ( despite me asking them, demanding it of them ) tell me why Transunion decided to lower my credit score by XXXX points in a month that had no changes except for the better. Why are they allowed to mess with people 's lives just because they feel like it? This is ridiculous, and the fact that they can't tell me why is absurd!!!!!!!!!!!! Nothing was resolved, I am just getting a free credit report. They refused to look into the score drop any further. They talk to you like you are an idiot and just don't understand their " proprietary '' method of calculating a credit score. I am XXXX XXXX XXXX and they have been doing this my entire life - costing me time, MONEY, and aggravation. There methods of calculating a credit score should be transparent, not hidden from consumers who are affected by credit scores on a regular basis. Maybe a class-action lawsuit is in order with them. 

THIS COMPANY IS TRASH AND I THINK SOMETHING SHOULD BE DONE BY OUR GOVERNMENT. THINK OF HOW MUCH HEALTHIER THE ECONOMY WOULD BE IF PEOPLE HAD THE RIGHT CREDIT SCORE AND THE RIGHT AMOUNT OF FINANCING POWER. 

Transunion is a nightmare to my life. I hope you can help me this time. I need a clear answer as to what happened with my credit score. I know nothing changed to warrant a XXXX point drop in one month.

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