Consumer complaint received 2022-05-17
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.

Complaint:
This is what I sent Transunion I have attempted, without success, to communication with your corporate office regarding how your business practice is affecting my life and my health. 

I find it unprofessional your company does not allow front line workers to provide next course of action when one has a concern. 

Your company does not have a breeze way to correct problems and concerns. Also your credit evaluation is punitive to customers when they have an excellent payment history but chooses or needs to utilize their credit. 

I find it repulsive you damage the life of so many with your business practice surrounding your method of determining a person 's creditworthiness. 

One of my creditors is XXXX. They changed their agreement with there current financing partner ending our account. But they opened all of us in good standing a new account. 

You guys dropped my credit score XXXX points because of this company 's business decision which none of us has control of. It is unfair and injurious. 

I contacted you previously regarding XXXX XXXX running my credit erroneously causing a drop in my credit. You told me to contact them which I did. They told me I had to dispute it on your side. Once you sent the dispute to them they would correct it. I was not able to dispute it online, so it never got fixed even though I asked for help. Another drop in my credit score. 

Your creditworthiness evaluations are ludicrous and it hurts people. I tried disputing this concern online as well. As the dispute advances it requires entering your log-in information again. I did try multiple times but it kept failing indicating my information was incorrect, yet I was logged in to your website. How does that work? Is that a glitch or intentional? It has happened to me every time. 

A person 's creditworthiness decades ago was determined if one paid their bills on time. Today, you are using outrageous formulations. 

This is affecting my life and my health. I applied for credit with many companies in the event I needed it or chose to use it. It is ridiculous someone can not use that credit for fear of it affecting their credit score. 

I look forward to your response. We all need you to fix this. I am not alone! 

So many people lost jobs, homes and love ones due to COVID. Now COVID is on the rise again with two new variants. Many people need to use their credit because of the loss of their job or having lost financial support to death or XXXX of a family member, etc.. 

Many of us have been affected. I hope we can discuss this issue and reach resolutions. If not I will be forced to use other remedies. 

Thank you for your time. 

Respectfully Due to my XXXX only contact me via email or phone. I am requesting this under the American with Disabilities Act. I do not go to the mail box. Thank you.

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