Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
PRIOR HISTORY ( FOR REFERENCE ) : On XX/XX/XXXX, I mailed TransUnion XXXX separate account disputes via XXXX XXXX Mail that was delivered on XX/XX/XXXX ( one item ) and XX/XX/XXXX ( the other XXXX ). TransUnion falsely claimed additional information was received ( as the consumer I never sent anything else ) and that they were entitled to XXXX more days for resolution and they are not. Further, their date of receipt for my initial information was incorrect. This is all part of my prior TransUnion complaint still underway. 

CURRENT COMPLAINT : On XX/XX/XXXX, I received notifications in my myFICO application that a collection had been removed from my TransUnion credit report, reducing the count of collections from 2 to only 1 ( see attached " myFICO TransUnion Collection Removed '' ). I had a XXXX XXXX  collection that I had just paid, so the change from balance owed to paid/settled effectively showed as a removal in this case. Another similar notification ( see " myFICO TransUnion Total Collection Balance Decrease '' ), repeats that there is only 1 collection left and shows the balance of collections dropped from {$3700.00} to {$3100.00}. This is important because the balance reduction amount is equivalent to the aforementioned XXXX XXXX  paid collection ( which confirms this as the source ) and because the XXXX remaining collection 's balance of {$3100.00} was exactly the same as a collection for XXXX XXXX still being reported as unpaid. I'd like to point out that both of these notifications explicitly call out a XXXX increase in my FICO score as a result, which is definitely visible in the cliff-like increase in the graph above. Between these events and current day, I paid off the XXXX XXXX collection and, of course, that takes time to eventually filter up to the credit reporting agencies ( CRA ). Then, on XX/XX/XXXX I received another notification that a collection was removed from my credit report with TransUnion ( see " myFICO TransUnion XXXX XXXX Removed '' ). As with the former XXXX XXXX paid settlement, we know this really was moved to paid/settled yet the reporting somehow considers this as a deletion. What's most important, though, is that this notification clearly shows the number of collections remaining as XXXX. In addition, the next notification ( see " myFICO TransUnion XXXX Balance Decrease '' ) said that the total balance of collections accounts had decreased and we see this going from {$3100.00} to {$0.00}. This again matches with the amount of the paid XXXX collection ( to the XXXX ) and - critically - shows that this addressed the last remaining collection/collection balance on my TransUnion report. Despite this, you can also see from the graph and the " XXXX '' that this change resulted in no increase to my score whatsoever. While TransUnion 's scoring algorithm is likely complex and proprietary information, it is possible to understand what items impact a credit score and how. Given this, a XXXX increase for the paid/settled status of a {$730.00} collection that leaves other collections still on my report is not consistent with a XXXX-point increase from the paid/settled status of a much larger collection ( more than 327 % more ) amount and the removal of my last collection listing/amount. This last part is especially concerning, because usually events that result in a cleaner profile ( such as some collections to none ) would be likely to generate an even greater positive impact to my score. This seemingly arbitrary and inconsistent scoring is harmful and indicates systemic flaws in the scoring system itself and/or continued inaccuracy of the report items driving that. This documented event represents an egregious and arbitrary inconsistency in TransUnion 's reporting and scoring that makes their reporting and score inaccurate and misleading regarding my creditworthiness.

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