Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do have a XXXX  XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XX/XX/XXXX at XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX  to XXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to XXXX XXXX Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his XXXX and say that he will transfer to Credit Resolution Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX Team Supervisor and I guess she misguided me and also said that I should call Transunion who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. Further XXXX XXXX, XXXX told me that she is highest rank XXXX to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call XXXX XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. After suggestion from XXXX XXXX, Manager of XXXX XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call Transunion XXXX as it also provided in their letter. So I did call Transunion today XX/XX/XXXX and spoke from XXXX pm to XXXX PM and spoke with XXXX XXXX at Transunion. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with Transunion. She further mentioned that Transunion use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just Transunion credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. What is my credit XXXX on XXXX XXXX. Because XXXX XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from Transunion was XXXX on 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