Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All my credit accounts are in perfect standing. According to my XXXX profile, my credit is considered " Exceptional '' - I have never been late, my debt ratios are getting lower. and therefore, my scores have increased because of that fact. However, XXXX XXXX XXXXXXXX stated that Trans Union alone sent them information, and based on that information XXXX XXXX XXXX  dropped my credit score by XXXX XXXX, which is unheard of, especially for me and my credit. My total debt is decreasing every month, No new credit is being accepted, my payments with all my creditors have been " Flawlessly '' on time. All of my other credit scores have been based on my history with my original creditor. 
My XXXX credit scores have constantly gone up because of my payment history, and the reduction of my overall balances. So have my other accounts with XXXX XXXX XXXX XXXX XXXX and all my other Credit accounts. My scores have all gone up! Despite what the Credit Bureaus state, because they raise your scores, or lower you scores based on what you bank or credit issuer sends them each month. My History is stellar, and therefore, my scores keep elevating each month. However, XXXX XXXX XXXX  contends that " Trans Union '' dropped my scores ...! What a lie..! They have not bearing on my accounts..! they only report what my creditors give them. if its, bad payment history, or late payment history ... then they can use this information provided by my creditors to come to an " Overall '' score.. 
So, XXXX XXXX XXXX lied by telling me that untrue fact. I've worked with credit and repair companies. I know how credit works.. ( Inside and out ) and therefore, there is not justification on why all my other scores are soaring and going up, when XXXX dropped mine by XXXX points..!! It doesn't make sense. You can not have a credit drop that significantly, when all my credit balances and payments are constantly going down and reaching almost a fully paid or XXXX status. 
This isn't the only time, Banks have done this. They purposely drop scores to continue to make money with the Credit Bureaus for sub-standard credit scores and therefore charge higher interest rates on loans, credit cards, and the like. They have nothing to stand on to justify why the severe drop in my score. XXXX lied when they said TransUnion gave me that score..But none of my other accounts have been affected by Transunion - as my scores have all gone up. Interestingly enough. my TransUnion went from XXXX to XXXX. My XXXX went from XXXX to XXXX, and my XXXX from XXXX to XXXX. These are all true so how would my XXXX drop XXXXXXXX XXXX  below my two credit scores of : XXXX for XXXX and Transunion? Doesn't make sense. 
I will also contact an Attorney pending the results of this inquiry, because fraud is going on and these banks think they're slick. It's not the first time many banks got in trouble from Lawsuits because of unethical business practices. Well, this is another one, and I bet I'm not the only one they are doing this to. I can't wait for your response. 

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 explanation