Consumer complaint received 2016-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was purchasing new vehicle and applied for Auto loan from XXXX financing at special 0.9 % APR rate. During credit check, they said I do n't have any credit score when they checked with Transunion services. I called Transunion to find out what went wrong. They said that I have no credit score and My creditors are not reporting to them. So, I tried little research about credit score, because I have account with XXXX credit card and receiving FICO score above XXXX on every month statement. I verified with my creditors ( XXXX XXXX XXXX, XXXX credit card, XXXX student loan ) and they said they are legally sending all reports every month to Transunion, XXXX and other credit agencies. I contacted transunion again to inform them that they are receiving my credit history like other people as per my creditors. I spoke with customer representative and supervisor, also try to ask them to initiate investigation for this discrepancy. They refused to believe me and opening any investigation for this matter. They told me to go back to creditors and ask them to contact Transunion. Meanwhile, I signed up on XXXX XXXX to see my actual credit score. I had XXXX Excellent credit score reported by XXXX on XXXX XXXX. Somehow, no score from Transunion. I called back to Transunion and let them know I have excellent score from XXXX and no score from you. XXXX of unbelieving. Why my creditors reporting to everyone except Transunion?? Banks have many clients and they reports to all credit agency. I applied several times for different dealers and banks to get loan for my new vehicle. No one accepted my credit score from XXXX and gave me interest rate of 3.99 % APR instead of 0.9 % APR if they have accepted my Excellent score of XXXX from XXXX. Due to several credit checks, my score is down to XXXX now. I got frustrated because I was paying my bills, rents and taxes on time or before time with no due balance. Still as good credit individual, I did n't eligible to buy new vehicle with 0.9 % or below 3.99 % APR rate. Meanwhile, I told my creditors to provide my credit history to Transunion to fix this issue. I got a letter from XXXX XXXX XXXX that they have been providing my credit history to all credit agency including Transunion. I am hoping after all these, Transunion may have some credit history from my creditors, not surely believing yet. I lost of best deals of having lower interest rate of 0.9 %, but got accepted new rate of 2.49 % from XXXX XXXX XXXX within seconds due to good credit from other credit agencies. Overall, I am end up going through all these XXXX, paying more interest rate than I would have, all these just because Transunion messed up keeping records properly, not showing courtesy to find discrepancy into their system, rudely saying you have to contact and resolve issue by yourself. I mean after they new they had problems, they never investigate this kind of situation to compare with other credit agency records. We as consumer paying more money, getting XXXX due this credit agency. I would like to report this issue and strictly take action against this kind of Non-conformance and irresponsible behavior towards consumer. Please review the Transunion feedback on internet, you will find many people like me who do n't exist with Transunion score system. I am sure you already have received so many complaint against Transunion. I am urging to take some action against Transunion and XXXX XXXX services, so consumer like me after having good credit would not suffer and end up wasting hard earned money to buy their needs.

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