Consumer complaint received 2025-05-20 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:
On or about XX/XX/year>, I received notification from XXXX XXXX XXXX that monitors my credit score status and profile, alerting me that my credit score had decreased practically overnight. 

Surprised by this notification, I accessed my XXXX XXXX XXXX account to review this extensive decrease and reasons for this. Upon review of this action on my XXXX XXXX XXXX account, I discovered that Trans Union Credit Bureau was the alleged reason for decreasing my score down by an extreme ( XXXX ) points. 

After inspecting their reason, I noticed that Trans Union had, in my opinion, allegedly reported recent very ( small ) increases in my credit card utilization. In my opinion, these ( small ) credit card usages would not cause my credit score to warrant a ( XXXX ) point decrease. 

This in itself is clearly an alleged unlawful overreach by Trans Union to place my credit score that was XXXX to XXXX because of an alleged unauthorized hard pull by XXXX - XXXX that was supposed to be a soft pull credit check, to now XXXX, based on unexplained ( small ) increase of using my credit cards. 

In a previously filed complaint # XXXX - XXXX against XXXX XXXX XXXX for allegations of discrimination, upon review of their response to my complaint, I also informed Momnt - Financing that I intend to file an official complaint with the Department of Justice Civil Rights Division. 

Upon XXXX XXXX XXXX issuing their response, there was a notable mention that Trans Union Credit Bureau was the agency that XXXX XXXX XXXX had used to deny me an installment line of credit for my XXXX XXXX XXXX XXXXIn my opinion, it is my belief that Trans Union Credit Bureau should not have been allegedly involved in any decrease or any other legal factors involving any financial entity relationship with consumers. 

It is also my belief that Trans Union Credit Agency allegedly created an unlawful action of " Retaliation '' against me for my previously lodged complaint against XXXX -XXXX  with CFPB and the Department of Justice Civil Rights Division . 

Because of this allegation of possible " Retaliation '' by Trans Union Credit Bureau, I strongly believe and allege that there rises an unlawful appearance of collusion between XXXX XXXX XXXX and Trans Union XXXX XXXX. 

The primary reason for these allegation are due to to fact that within the timeframe of the official complaint filed with CFPB and my refusing to accept XXXX XXXX XXXX responses to my complaint and my intention to lodge another complaint with the D.O.J, I was notified by XXXX XXXX XXXX XXXX XXXX within XXXX hours of the extreme decrease in my credit score by ( XXXX ) points. 

Additional issues also appeared out-of-nowhere, involved allegations of improper use of my personal background information being released to other financial entities. These allegations comes after I requested XXXX - XXXX to send me an official letter specifically tailored to particular reason ( s ), and not my entire credit history, of why my installment line of credit was denied, without any required credit score by XXXX - XXXX for my financial needs. 

The alleged actions that appeared, following my request from XXXX - XXXX, is that I was alerted by XXXX XXXX XXXX seeking answers of why a multitude of other financial entitles were accessing my credit profile. XXXX XXXX XXXX used the wordage of ( Hey XXXX What's Going On With Your Credit Account? ) Surprised to be alerted of this by XXXX XXXX XXXX, I discovered that my credit profile had been hit by all kinds of unknown financial entities without my knowledge and or authorizations. 

I explained to XXXX XXXX XXXX that I only authorized ( XXXX ) financial entity " XXXX '' to conduct a " Hard Pull '' on my credit ( Only ), due to the fact that I believed that I was pre- approved for a refinancing mortgage loan. 

After receiving numerous hits on my credit profile, I found a toll free number to have all of these financial entities blocked for ( XXXX ) years. I am still receiving unsolicited calls and mail from various financial entities. 

In conclusion, it is my true opinion and belief that the Trans Union Agency violated my civil rights by the allegations of unlawful " Retaliation '' in collusion and in connection with XXXX - XXXX. 

In my opinion and belief, I allege that Trans Union Agency unfairly and unlawfully decreased my fair credit score standings by ( XXXX ) points without valid and reasonable explanation in doing so, other than reporting very small increases in using my credit cards that are and have been in good standing for years. 

End of Complaint

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