Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for its continued unfair and deceptive credit reporting practices, which have resulted in an unjustified and inaccurate decline in my credit score. Despite responsible financial behavior, TransUnions algorithm persistently misrepresents my creditworthiness, in direct contradiction to the fair and accurate reporting standards required by federal law. Your company has unlawfully used my data to cause harm when there is no fact checking. Your use of an untested and skewed algorithm is illegal and does not represent accurate factual reporting. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies ( CRAs ) are legally obligated to : Ensure maximum possible accuracy in the information they report ( 15 U.S.C. 1681e ( b ) ).

Investigate and correct errors when disputed ( 15 U.S.C. 1681i ( a ) ).

Avoid unfair and deceptive reporting practices that cause consumer harm.

TransUnion has failed to comply with these legal requirements, as demonstrated by the following : 1. Inconsistent and Unfair Scoring Methods TransUnion is the only agency negatively affecting my score, while XXXX and XXXX reflect a more accurate and stable credit profile. This suggests that TransUnion is using an arbitrary and faulty scoring model that does not align with the principles of fairness, transparency, or actual credit risk. 
XXXX. Misrepresentation of Data My credit history, payment behavior, and overall financial responsibility are being misrepresented through TransUnions algorithm, which disproportionately penalizes me without a legitimate basis. This is a clear violation of their duty under the FCRA to maintain accurate reporting standards. 
XXXX. Harmful Financial Consequences As a direct result of TransUnions flawed reporting, my credit score has suffered, leading to potential financial harm in the form of higher interest rates, restricted lending opportunities, and reputational damage. This constitutes unfair and abusive treatment, which the Consumer Financial Protection Bureau ( CFPB ) has explicitly been tasked to prevent under the Dodd-Frank Act ( 12 U.S.C. 5531 ).

Case Precedents and Regulatory Action TransUnion has a documented history of noncompliance with federal law. Notably : CFPB v. TransUnion ( XXXX ) TransUnion was ordered to pay {$15.00} XXXX in civil penalties and {$3.00} XXXX in restitution for deceptive practices and FCRA violations. 
FTC v. TransUnion ( XXXX ) TransUnion settled for {$17.00} XXXX over misleading consumers about their credit scores. 

These cases establish a pattern of misconduct, reinforcing my claim that TransUnions business practices are unreliable and noncompliant with federal law. 

Requested Resolution I demand the following actions be taken immediately : 1. A formal investigation into TransUnions credit scoring algorithm and data handling practices. 
XXXX. A corrective review of my credit file to ensure compliance with FCRA-mandated accuracy standards.

3. Immediate adjustments to my credit score to reflect fair and fact-based reporting. 
XXXX. Written confirmation from TransUnion detailing the specific factors affecting my score and the justification for their calculations. 

Should TransUnion fail to comply, I reserve the right to escalate this complaint to the Federal Trade Commission ( FTC ), State Attorney General, and pursue legal remedies under the FCRA, including statutory damages and injunctive relief. 

I expect a swift and substantive response to this matter. Thank you for your time and attention. 

Sincerely, XXXX 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