Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022 I applied for a small business loan, the lender performed a soft pull of my TransUnion report and then informed me of the following : Ultimately, your debt/high credit ratio played a large impact on the application denial, in addition to your overall credit history. Your debt/high credit ratio was reported as 99.37 % utilization. Potentially once your utilization has decreased, you may be eligible for reconsideration in the future. This was shocking to me because I monitor all three credit bureaus information regularly through my XXXX subscription and at that time all three were reporting my credit utilization between 48-52 %. I sent the lender a screenshot and received this message in return : You may want to call TransUnion and request additional clarification regarding the utilization discrepancy. Currently, we are not authorized to request clarification or report any discrepancies on your behalf, between the reports we receive from TransUnion and the reports TransUnion provides to you. They may be able to shed additional light on the cause of these differences. First I requested my entire TransUnion credit report, however to my consternation it did not include my credit utilization percentage. So today I called TransUnion and explained the situation ; specifically I stated I believed TrahsUnion had provided a lender with an inaccurate credit utilization percentage. The manner in which they handled my concern was atrocious, unethical, and possibly illegal. The first representative was either stupid or lying, either way she claimed no knowledge of the term credit utilization and kept saying credit authorization ; she denied seeing any such information anywhere in their records or in my credit history. Personally I believe they are trained to use those kinds of tactics with consumers like me who call to report egregious errors, because they are hoping to make people so frustrated that eventually they just give up and go away instead of continuing to pursue resolution of TransUnions error. Anyway, I finally told the representative I wanted to speak to a manager and she transferred me to a man who alternated between the same behavior patterns : playing dumb/pretending not to understand English, and flagrantly lying. He similarly started the conversation by pretending he had no knowledge or understanding of the concept of credit utilization, but eventually I was able to back him into a corner ( Im unbeatable in a verbal debate ) and he begrudging admitted he understood the term. However I still made no progress because he spent the remainder of the call stubbornly assuring me that TransUnion absolutely does not record information pertaining to consumers credit utilization or credit usage, and moreover no such information is included on any consumers TransUnion credit report ; therefore, he insisted, absolutely no such information would ever be furnished to a lender. In other words, he told me very firmly that TransUnion did not tell the lender that my credit utilization was 99.37 %. When I asked him for an explanation, he opined that after the lender received my credit history they must have independently gone through the accounts and calculated the credit utilization by hand ; I told him that was utterly ridiculous. I told him I know they sent the information and that the information was inaccurate and therefore I needed to dispute it ; he told me I could not dispute the credit utilization information [ reportedly received by the lender ] because it did not exist ; he went on to say he would be glad to assist me with disputing specific account information from my credit report, to which I explained again that the information I see on my credit report is not the problem, and at that point he told me to call back when I had real information to dispute, and then he hung up on me. I reached out to the lender XXXX more time just to confirm, and they replied with this : Yes, the credit report we pulled does show a debt/high credit percentage of 99.37 %. This number is in fact calculated with all the accounts on your credit, however we do not personally calculate these. The information and percentage is listed on the credit report that we obtain from 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