Consumer complaint received 2017-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am not sure if this is the right category for my complaint. I have contacted all XXXX credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on Trans Union and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from XXXX % to XXXX % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! Trans Union told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.

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