Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My complaint is for each credit bureau. So that this is not considered a duplicate complaint, I will submit this under XXXX. With XXXX, I have provided information that proved that a certain account was not over 30 days late. But for some reason, they are stating its valid and cant prove to me why. Now. I worked very hard in paying off my debt. But never once have I been late, missed a payment. I had a XXXX XXXX that was discharged in XXXXXXXX XXXX XXXX. Even from prior to the filing, I had never been late on any of my accounts. With out going into details which you can see from my prior complaints with certain companies and lenders, its been a struggle to say the least. With mortgage, dealing with payments that were made but not applied then they transferred our loan knowing we were filing in which we were deliberately caught into all the red tape for trying to attempt a restructure, transferred to a lender whom used all the XXXX relief to their benefit having us essentially pay them back double to us paying off that loan with all ontime payments keeping that account through XXXX XXXX yet this lender is reporting it as XXXX. And all XXXX reporting companies are reporting each account not only XXXX, but also over 30 day late. So they were hitting me 2 times. I thought, when you file a XXXX XXXX, you have a clean slate. Thats not been the case with how Im being reported. This is not the half of it. In XXXX I was approved for a line of credit with XXXX I called them to see how Im able to utilize the credit, and they gave me instructions. I abided by that only to get denied at the check stand. After speaking to management at XXXX, catching them in multiple lies and being hung up on, XXXX decided to cut my credit lines. And that was across the board. With different companies. When I paid off my XXXX account from XXXX down to XXXX, XXXX decided to cut my line down to XXXX leaving me at 100 % utilization. They cut my credit down on that line to {$1.00}. And now, if I use that {$1.00}, XXXX at 100 % credit utilization. 
With affirm, I opened up an account. For a XXXX XXXX purchase online. XXXX claims to not report credit. Even then so, XXXX XXXX did not have what I ordered online in stock. So the loan was returned unused to affirm. Someone at affirm did not update my loan. Even when I spoke to Affirm at the time, they said it should go back with in 45 days. And since it was unused, it should adjust itself in about 10 days. Well, it just so happened this account was held by XXXX through affirm. And someone at affirm did not update my file. I even had a receipt for {$0.00}. From XXXX XXXX, which I submitted to XXXX. But no. It still remains on my report as a missed payment. 
Now, what Im finding is how my credit is being reported. Why is it now, that spend {$400.00} on my credit, my fico score went down XXXX points on my score with XXXX? I spent {$300.00} on another credit line, and Transunion took off XXXX points on my score.All while my utilization over all is under 30 %. After submitting my disputes with XXXX, they took off XXXX points for nothing! Something isnt right here. I dont understand why my credit is so low when nothing has changed in regards to my finances in the last 4 years. Im still making all my payments ontime. I paid off a lot of whatever debt I owed, and Im still being reported badly. I need someone to look into my file with all the reporting agencies and see where the problems are. Cause whatever it is, XXXX cant see it on my reports. Ive tried getting my XXXX XXXX file but that has been a strugggle to obtain. Something isnt right in how Im being reported.