Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
I purchased my home XX/XX/2015. I've never been late making my mortgage payments. Since then all my accounts have been paid on time. For the last four years my Fica score seems to be frozen. At the time I purchased my home my score was XXXX. For the past XXXX years my score has been XXXX. 
Four years ago I hired a credit repair company to help me raise my FICA score. I paid him {$500.00}. After one year nothing happened my score stayed the same. Later, I thought I would hire a professional credit repair company called XXXX XXXX XXXX. I paid them {$5600.00} after one year nothing happened. Again my fico score was still around XXXX. After that I contacted XXXX XXXX. I saw there advertisement on television. So, I thought I'd give them a shot. After 1 1/2 years and {$1400.00}. XXXX XXXX Still couldn't changed my Fica score. It was still around {$580.00}. After all of that I thought I would try to contact all three credit bureaus myself. I was hoping to be able to raise my credit score talking personally to all the representatives at all three credit report agencies. I did contact TransUnion Credit Bureau. They had me do a number of transactions to help me raise my credit score. First, they had me send letters to all my accounts. Second, they had me send them documents showing that I paid off my car and all four of my student loans. Still after doing that my credit score still didn't move. Third, they told me file disputes on my credit report and correct errors on my credit report. Then Trans Union told me to gather all my documents send them to their customer service department which I did. Fourth, when I called the representative he acted like he was in training. I asked him a question then he put me on hold for a long time. When he returned he told me they couldn't answer my question. I told him I mailed the documents over a month ago returned receipt. He replied they didn't know what happened to my documents. After a long discussion I asked to speak with the supervisor. I asked him what happened to my documents. He put me on hold for a while and came back and said they didn't receive my documents. That they would look in this matter and get back to me with an update. Well of course they didn't call me. Today I'm asking you to help me with this agency. I will also contact XXXX and XXXX to file dissatisfaction with them. 
The main reason I want to adjust my Fica score is because when I apply for refinancing of my house or purchase of a car. I would appreciate reporting the correct FICA score. When I originally purchase my home had an interest rate of 4.6 % when the interest rates fell I could not take advantage of the two and three percent rate that I was eligible for. I need my focus score corrected. I believe my score should be at least XXXX or higher all three credit bureaus have cost me many XXXX  of dollars because when I had a chance to refinance my my house all three credit report agencies was reporting an incorrect fico score. 
I would deeply appreciate your assistance in this matter. As you can tell I have tried many alternatives to try to get my focus score updated properly. But at no avail. I need you to contact Trans Union Credit Breau have them correct, alleviate, and update all information in my behalf. That would allow me the opportunity to complete all my financial tasks. 

Sincerely, XXXX XXXX XXXX XXXX.

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