Consumer complaint received 2016-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Complain about Credit Reporting Agency TRANSUNION : XXXX Credit Card provides XXXX Score on the monthly statement. My XXXX Score dropped drastically ( XXXX POINTS ) within one month ( from Excellent in XXXX and XXXX XXXX to Poor in XXXX XXXX ). I contacted XXXX XXXX and they informed me that the XXXX Score is provided by TRANSUNION and I must contact them. I first acquired a copy of FREE TRANSUNION CREDIT REPORT. There were no major changes between XXXX or specifically from XXXX XXXX to XXXX XXXX in any of my financial activity. I called TRANSUNION and XXXX spoke to an individual named XXXX ; he informed me that XXXX XXXX actually provides customer records to TRANSUNION and based on TRANSUNION feedback, XXXX determines credit score for the statement. Therefore, I contacted XXXX XXXX again and was informed that this is absolutely not the case and only a CREDIT AGENCY such as TRANSUNION would provide the credit score. I called TRANSUNION again and spoke initially to a XXXX ( I think ) and subsequently to SUPERVISOR XXXX with EMPLOYEE ID XXXX. I again explained the situation and shared that I am trying to understand what caused such a drastic Credit Score Change within one month. THEY WERE COMPLETELY UNABLE TO ANSWER THIS QUESTION AT ALL AFTER BEING ON HOLD AND LONG DISCUSSION. All of these folks ( XXXX, XXXX, & XXXX XXXX seemed to be within INTERNATIONAL CALL CENTERS ; I am not against this at all and support this business practice if appropriate. However, at this point I wanted to speak to SOMEONE higher on the ORG CHART IDEALLY WITHIN XXXX to help with such an important issue ( CREDIT score going from Excellent to Poor within one month causing issue in getting a Loan ). XXXX stated that they do not have the capacity to elevate this further or even possibility to transfer to someone within XXXX for further discussion. IT IS BEYOND UNACCEPTABLE that an AGENCY working directly with / for the XXXX GOVERNMENT and impacting XXXX CITIZENS so seriously with something as important as CREDIT SCORE has NO ONE who can provide appropriate explanation on their methods and / or elevate the issue to appropriate customer service MANAGEMENT within XXXX. I also do not appreciate having to provide my social security number and such key information in current cyber environment so many times to so many people outside of XXXX ( or even inside XXXX for that matter ). I am beyond frustrated with first trying to understand the reason behind the actual issue and subsequently the bigger issue of sensitive information exposure, credit scoring methodology & associated impact to XXXX XXXX, and complete lack of CUSTOMER SERVICE or RESOLUTION of any kind. I also intend to contact the attorney general, any government agent XXXX senator / congressman ), and finally news agencies if necessary in attempt to arrive at appropriate conclusion for myself and ensure others are not similarly being " screwed ''. Please contact me with effective feedback and resolution as soon as possible.

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