Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was sent 2 letters recently from XXXX XXXX  regarding my XXXX Credit Card Account managed by XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. Phone : XXXX and XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. Phone : XXXX. 

The Letter regarding my XXXX account was dated XX/XX/XXXX & stated my Credit Limit on my XXXX Card was being reduced to {$3000.00} from {$3200.00}. The reasons given for this action were : Lack of Real Rstate Secured Loan Information, Too many Revolving Accounts with High Balances compared to Credit Limit,  Too many Bankcards with High Balances Compared to Credit Limit and Not enough Balance Paid Down over Time on Retail Accounts. 

I feel this is Discriminatory as I am XXXX XXXX XXXX XXXX and have owned a Farm, 2 Homes and a Condo, my last property was sold in XX/XX/XXXX. XXXX XXXX needs to get my Mortgage Records for these properties if they feel they need Real Estate Records to determine my Credit Worthiness. After my Husband died in XXXX, I downsized to an apartment, which is my right. Many people who have alot of money choose to live in Apartments & this should not be used against anyone derogatory as was done in my case by XXXX XXXX regarding my XXXX Credit Card. I do have several Credit Accounts and some are closer to their Credit Limit,  but, plenty are not. One thing XXXX XXXX should consider is that I pay all my Accounts timely. This action should not have been taken against me and I spoke to both XXXX XXXX who defended their action and tried to blame Transunion Credit Reporting Agency for their action vs. their own and I spoke with XXXX regarding the discriminatory action of XXXX XXXX   regarding using Real Estate Loans against me which if they went back in my history, they would find all the Real Estate I have owned in my lifetime & that every payment was timely all those years. XXXX said this factor should not be using derogatory against their Customers & said they would bring to their Team & Supervisor 's attention. 

Regarding the XXXX Account managed by XXXX XXXX, I got letter from them dated XX/XX/XXXX, stating my XXXX Account Credit Line would be reduced to {$3100.00} from {$4500.00} for the exact same reasons as they gave to reduce my Credit on the XXXX Account. I dispute this action for the very same reasons I gave for the XXXX Credit line being reduced by XXXX XXXX  and spoke with XXXX XXXX  on this action who defended it and blamed Transunion Credit Reporting and I filed a complaint with XXXX on their Corporate site. 

Both of these decisions by XXXX XXXX were based on my Credit Reports with Transunion Consumer Relations, www.transunion.com/myoptions, XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. PA XXXX. Phone XXXX. 

I wrote to Transunion Consumer Relations and requested my Credit Report. I received it today. There is nothing negative on it, except one item which is Incorrect. The Incorrect Item needs investigated ASAP - it is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IA XXXX. Phone : XXXX. It shows I was 30 days late in XX/XX/XXXX for {$5.00}. This is absolutely False. In fact I paid {$8.00} on XX/XX/XXXX which was due XX/XX/XXXX, {$8.00} on XX/XX/XXXX which was due XX/XX/XXXX and {$35.00} on XX/XX/XXXX which was due XX/XX/XXXX. The total amount I owed XXXX XXXX on XX/XX/XXXX was {$25.00}, I overpaid them!!!!!! Please investigate this ASAP per the FCRA and have all my Credit Reports this incorrect information was reported to corrected ASAP. I need a corrected Credit Report from each Agency that reported this incorrect information and they need to send corrected credit reports to each Creditor that received the incorrect reports. Anything less is a violation of my rights under the FCRA. 

I also ask that you investigate the actions taken by XXXX XXXX on my XXXX and XXXX Credit Card Lines and for the reasons I outlined, above. I request a notice regarding your Investigation.

Thankyou! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA 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