Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Trans Union is discriminating against me based on my race. The company is reporting my credit report over XXXX points lower than the other agencies. I have no collections, owe no money to anyone, and my score is decreasing daily. This XXXX agency is negatively impacting my financial life. They are also reporting direct lies and contradicting information. 




Score Factors XXXX XXXX XXXX XXXX XXXX Factors XXXX XXXX, these are the factors impacting your XXXX XXXX XXXX XXXX. 

Based on your credit report data, this is a depiction of your credit worthiness. There are several factors taken into account that help determine your XXXX XXXX. The factors making the largest impact are listed below. Remember that these factors vary in how strongly they impact your XXXX XXXX. XXXX XXXX provides both positive and negative factors. 

How You Compare ( National Average ) TransUnion ( XXXX ) XXXX XXXX XXXX ( XXXX ) Experian ( XXXX ) D XXXX C XXXX B XXXX A XXXX Positive Score Factors Total of all balances on bankcard or revolving accounts is not too high.

Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total of your balances on your open bankcard or revolving accounts, compared to the credit limit amounts, is not too high which has caused your score to improve. 

What You Can XXXX Keep low balances on your accounts ; this will benefit your score. 

Reported by : XXXX Few or no installment accounts with delinquent or derogatory payment status. 
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. Paying your bills on time improves your score. You have paid all your installment loans on time or no more than 30 days late. 

What You Can XXXX Keep paying bills on time every month since it is important to maintaining a good XXXX XXXX. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. 

Reported by : XXXX Balances on bankcard or revolving accts not too high compared to limits. 
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Your balances on bankcard or revolving accounts are not too high compared to the credit limit amounts, which causes your score to improve. 

What You Can XXXX Keep low balances on your accounts ; this will benefit your score. 

Reported by : XXXX You have few or no accounts that were opened recently. 
None or only a few of your accounts were recently opened. As a result, your history of credit management performance is enough to demonstrate responsible behavior. 

What You Can XXXX Keep using your existing credit responsibly and make your payments on time. Your XXXX XXXX will benefit as you make payments on time and manage the accounts in a responsible fashion. Manage your credit wisely by planning ahead for your credit needs and avoid applying for more credit than you need. 

Reported by : XXXX Your credit file has enough history on your use of installment loans. 
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. A credit file with sufficient accounts and credit history, including installment loans, reflects more experience in handling credit. More experience can have a positive impact on your score. 

What You Can XXXX Maintaining open and active credit accounts in good standing can help improve your credit score. 

Reported by : XXXX XXXX or more of your accounts were paid on time in recent months. 
Paying your bills on time improves your score. Recently at least one of your accounts was paid on time. 

What You Can XXXX Keep paying bills on time every month since it is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. 

Reported by : XXXX There are no or only a few recent delinquencies on your accounts. 
A delinquency is a payment that was made 30 or more days late. You have had no or very few delinquencies recently which has caused your score to improve. 

What You Can XXXX Keep paying bills on time every month since it is important for maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Over time, this will have a positive impact on your score. 

Reported by : XXXX You have few or no unpaid collection agency accounts. 
Some collection agencies report account information to credit bureaus just like lenders do. Your credit file has no or few accounts that have been sent to a collection agency and remain unpaid, which increases your score. 

What You Can XXXX Satisfy all collection accounts and pay all other accounts on time each month. The impact that negative items such as collections accounts have on your credit score will diminish over time. 

Reported by : XXXX Negative Score Factors The date that you opened your oldest account is too recent. 
Your oldest account is still too recent. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit. 

What You Can DoXXXX Don't open more accounts than you actually need. Research shows that new accounts indicate greater risk. Your score will benefit as your accounts get older. 

Reported by:XXXX Lack of sufficient credit history. 
Your credit file does not contain enough information about your use of credit. A credit file with older accounts and/or more accounts reflects more experience with handling credit and can have a positive impact on your credit score.

What You Can Do14 Maintaining open and active credit accounts in good standing can help improve your credit score. 

Reported by:1XXXX Lack of sufficient relevant real estate account information. 
A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the three national credit reporting companies ( XXXX, XXXX and TransUnion ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. 

What You Can DoXXXX Maintaining open and active credit accounts in good standing can help improve your credit score. 

Reported by:XXXX You have too many inquiries on your credit report. 
If a lender runs a credit check when you apply for credit, an inquiry is reported to the credit bureaus. This can lower your score a small amount, typically by XXXX to XXXX points. The XXXX XXXX XXXX model takes rate shopping, e.g., for a mortgage or car loan, into consideration. All inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a XXXX window are interpreted as a single inquiry. Another time inquiries never count against your score is when you check your own credit or obtain your own credit score. 

What You Can DoXXXX Apply for credit only when you need it. If you are approved for credit, the small score drop from making an inquiry will disappear within a short time and the score will quickly benefit if you make on-time payments and manage your new account in a responsible fashion. 

Reported by:XXXX You have too many delinquent or derogatory accounts. 
You have had too many accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk. 

What You Can DoXXXX Paying bills on time every month is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Over time, this will have a positive impact on your score. 

Reported by:XXXX The balances on your accounts are too high compared to loan amounts. 
The balances on your accounts are high compared to the original loan amounts, lowering your score. 

What You Can DoXXXX Paying down the balances on your accounts will benefit your score. 

Reported by:XXXX Additional Information The XXXX XXXX XXXX XXXX XXXX to help you better understand how lenders view your credit report. It is not an endorsement or a determination of your qualification for a loan. Lenders use credit scores to help determine whether or not you are a good candidate for a loan and what interest rate you will pay. However, each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, they will incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and conditions of loans vary from lender to lender. The information used to determine your credit score comes from one of the three major credit bureaus - TransUnion, XXXX and XXXX. Credit reports are a compilation of credit information that is reported to the applicable bureau by the various lending institutions with which you have accounts. The information contained in your report reflects the latest information provided to the applicable bureau. If you recently made a payment, opened a new account, or authorized an inquiry, it may not yet be reflected in the credit report of any one of the bureaus you receive. Likewise, if the information is not included in the applicable credit report it will not be reflected in your credit score based on such report. Also, disputed items are not incorporated in the assessment of your credit score. Your credit score may change each time new information is captured in the credit report on which it is based. TransUnion Interactive is not connected in any way with XXXX, XXXX and XXXX ; the credit scores provided here are not so-called FICO scores. The XXXX XXXX XXXX XXXX not be identical in every respect to any consumer credit scores produced by any other company. 


Home XXXX XXXX Account Preferences Message Center, you have XXXX unread messagesXXXX Your Credit Your Identity YOUR FEATURED SAVINGS OFFERS Welcome, XXXX XXXX XXXX XXXX updated XX/XX/year> This is aXXXX  XXXX score using XXXX data. 
XXXX points Since XX/XX/year> Your XXXX XXXX will refresh when you sign in, up to once daily. 
View credit score details XXXX Credit Report Status Your XXXX credit report is not frozen or locked. 
Manage a freeze or a lock You don't have an active duty or fraud alert in place. 
Place an alert XXXX Credit Report Summary Total lines of credit XXXX XXXX XXXX 64 %

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