Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Savvy Money, Inc.
State: FL

Complaint narrative:
I entered today in my XXXX XXXX XXXX XXXX XXXX app to check my accounts in that institution. They have a Savvy tool to show credit score. I was shocked by the credit score few weeks ago it was at XXXX and today was at XXXX. Neither of those scores belong to a person that has NO collections and pay all of her debts on time. 
I entered in Savvy who I have never agreed to have or to contracted neither I have ever given to them any authorization or permission over my credit reports information, my personal information or anything to grant them authorization to the use of my personal information. Even less to disseminate wrong information which affects me financially. 
Now in the case ofXX/XX/XXXX I am aware that they Act like Gods that are untouchable and they are using an outsourced XX/XX/fromIndia- Company who abuse consumers by harassing them for their personal information. ( I am going to post online to request the public who has been affected like me this way ) e.g. asking for my date of birth, social security number, etc, Why they ask because every time I try to log in, their website said the logging is incorrect. I write down the password I chose and the logging email, but regardless XX/XX/XXXX claims the logging is incorrect and you can only call them so they can ask you for your private sensitive information in order for you to be able to access the information they have posted on your record. Why, I assume is because the website information should be encrypted while over the phone they ask you to give to them verbally this information. This is a major violation of the privacy practices, but they do it with the authorization ifXX/XX/XXXX which by the way at this point I have doubt if transunion is an american company owned by American citizens or if XX/XX/XXXX is an international company owned by asians, XXXXXX/XX/XXXX in short foreigners in general. I hardly can understand why the Federal Trade Commission, the consumer protection bureau has not look into this facts. Or even the FBI which I am going to contact them first thing monday morning because this has me wondering what are we doing by allowing this to happen to Us. Then no wonder why there is dissemination and breach of information into " oscure hands '', with impunity. 
Not just the signing in into TransUnion website is an issue. They claim the site address for the consumers credit report is different. by they keep collecting private information that is not their business or is it? Notwithstanding, the worst part is the poor job in credit reporting. I have pull out the credit reporting that Savvy posted in the XXXX XXXX XXXX XXXX XXXX app which I am going to follow it by filing a complaint to XXXX, in addition to this complaint. 
TransUnion reported me as owning {$4100.00}, when the total credit cards credti I have is {$4.00} out of which I only owe today XX/XX/year> at XXXX a balance to XX/XX/XXXX card ending in XXXX {$1100.00} which is 64.85 % out of {$1800.00} my credit line for that credit card, but since the other two credit cards are XXXX balance at the time, {$1100.00} is the 27.14 % of my total credit of {$4.00}. Meaning I am way under 30 % of my total actual credit. My XXXX XXXX credit card has a XXXX balance, and actually is over {$2.00} of my regular credit because I was overcharged and I overpaid. Because I contacted them about it they fixed and returned the charge back to my card. The other credit card is a XX/XX/XXXX ending in XXXX. XXXX as of today XX/XX/year> at XXXX is XXXX dollars. So the information is defamation is misinformation is outdated is inaccurate. Therefore the information MUST be updated and the credit score MUST shown my credit worthiness. I'm probably going to file a lawsuit about it because this is unacceptable. They have no mercy to use misinformation in order to have the consumers at the mercy of the credit predators like XX/XX/XXXXXXXX which charge the highest interest rate available to consumers in exchange to built credit which is a lie because all they do is to destroy the consumers credit worthiness to keep them slaves of their predatory unfair financial business and conditions which is an american nightmare not an american dream. I demand action, I demand FINES, I demand penalties against XX/XX/XXXX AND Savvy money.com and Savvy Money Inc

Company response to consumer: Closed with explanation