Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion 's dispute resolution process is thoroughly inaccessible. Their page gets stuck and does not allow you to proceed further. I have tried looking for a phone number to call but with no avail. They keep selling you services that you do not need and their entire service is full of ads. 

On a tangential note : What is even more confusing and deceptive is that there are MULTIPLE scores. Neither XXXX, nor Transunion, nor XXXX  clearly tell you which score amongst all the scores will be used to make credit decisions. I had to finally land on Myfico to understand what my scores were after having applied for debt and having been told that my scores were bad. There are XXXX ( not usually used but displayed on XXXX and XXXX ) and there's Fico scores ( score 8, 9, 10 what not and there's separate ones for auto and credit lending ). I had to pay to see my FICO score. What a total sham. 

The free credit report offered by any of these companies, by the way, DOES NOT INCLUDE THE CREDIT SCORE. The credit score plays a huge role in the interest rates and debt you can avail. How is this a transparent system? 

The state of the credit reporting and monitoring system is flawed. They report my creditworthiness as negative if I cancelled a XXXX card. I cancelled that card because of their fees and shady business practices. I had to struggle so much to remove an incorrect record when the party at fault was the credit card company, XXXX XXXX  for XXXX XXXX. 

Is it my fault that I have a social security number for only 6 years? This is a factor in my credit score. Somehow, they disadvantage people based on the duration of their credit history. What if I could not or didn't need to open a credit card? What if I had to close a credit card because of a company 's shady business practices? Why am I penalized for that? What if I don't have a parent with a solid credit score who can get me on their card to help me with my credit scores? What if I am XXXX years old with a credit history of 5 years, why should I be doomed to not have fair access to capital? Isn't this discriminatory? 

This system is flawed and disadvantages people who prefer spending their money responsibly while also saving a ton. I save. I live within my means. And yet, I am considered a bad debtor. It disadvantages people with short credit histories and potentially without parents having good credit histories - so young people and immigrants face the short end of the stick. It also disadvantages people who make meaningful choices about who they do business with. I SHOULD NOT be penalized for choosing to not work with XXXX. Also, why should I be penalized if I don't NEED debt and I am spending within my means? Your credit limit plays a huge role in your credit score. 

CFPB - please fix these glaring transparency, discrimination and accessibility issues with this system. 

Coming back to the original issue : I just wanted to complain about Transunion 's dispute resolution process being inaccessible but ended up complaining about the whole credit monitoring system. 

Please look at Transunion 's website and dispute resolution. It is impossible to get anything done through them. I have no choice but to submit this here. I can't access any meaningful credit at reasonable rates because of this weird, inaccessible and confusing system. Americans deserve better.