Consumer complaint received 2024-12-04 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 reporting inaccurate and false information without my permission. I have not permitted them to report anything on my consumer report. They are reporting contradicting information. Below is a compy and paste of the contradicting information. The company should be ashamed of the baseless uninformed fraudulent practices. The Negative score factors that they are reporting are in direct contradiction to the positive score factors they are reporting. This is a completely ignorant company to report blatant contradictions. I owe no one and have zeroe collections I have a car loan that is current a XXXX dollars worth of current and paid credit cards yet my credit is a XXXX and not congruent with the score reported by other companies. I have over a XXXX point difference in my equifax credit score and experian this company is discriminating based on my race.

Total of all balances on bankcard or revolving accounts is not too high. 
XXXX 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 XXXX 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 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 Few or no bankcard or revolving accounts with delinquent/derogatory status. 
XXXX 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. Paying your bills on time improves your score. You have paid all your bankcard or revolving accounts 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 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 credit score 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 XXXX 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 XXXX 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 XXXX 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 XXXX XXXX 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 XXXX 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 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 XXXX Maintaining open and active credit accounts in good standing can help improve your credit score. 

Reported XXXX Balances on bankcard or revolving accounts too high compared to credit limits. 
XXXX 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. You have bankcard or revolving accounts in your credit file with balances that are high compared to the credit limit on the account, which is a proven indicator of increased risk. 

What You Can XXXX Pay down balances on your accounts and keep them below 30 % of the total credit limit on that account. Over time this will have a positive impact on your score Reported XXXX 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 XXXX 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 XXXX Maintaining open and active credit accounts in good standing can help improve your credit score. 

Reported 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 XXXX 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 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 XXXX Paying down the balances on your accounts will benefit your score. 

Reported 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