Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding recurring inconsistencies and unexplained fluctuations in my credit reporting and score calculations. I have made consistent, documented payments, including substantial balance reductions that brought my utilization into the recommended range ( under 30 % ), yet the resulting credit score changes have been wildly inconsistent and in some cases punitive.

For example : I received a +69 point increase for a minor payment made while I was still over 30 % utilization.

Later, I made a {$780.00} payment, bringing my utilization significantly below 30 %, and only received +23 pointsa disproportionate outcome.

Even more troubling, a {$590.00} payment was followed by a 36-point drop, despite following the exact advice that is supposed to improve credit health.

This pattern is not only illogicalit is deeply concerning. It suggests that scoring metrics are being applied inconsistently and unfairly, which raises serious questions about the integrity of the algorithms being used and the possibility of discriminatory bias. As an XXXXXXXX XXXX consumer, I have every right to question whether my profile is being subjected to a different standard. 

To date, I have filed over 10 complaints with the CFPB, and none have resulted in a meaningful resolution. My concerns have not been thoroughly addressed, and the same scoring inconsistencies continue to persist. At this point, I am left with no choice but to escalate this issue beyond the CFPB.

As of today, I am taking the following actions : Filing formal complaints with the FTC and the Department of Justice Civil Rights Division Documenting this pattern in detail to prepare for potential legal action under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) Consulting with civil rights attorneys to assess my case for racial discrimination and economic harm This is no longer just a matter of credit scoresit is a matter of equity, fairness, and accountability. If consumer reporting agencies are using opaque, automated systems that penalize responsible behavior and disproportionately affect certain demographics, that is not only unethicalit is unlawful.

I am requesting : 1. A full audit of my recent score fluctuations across Equifax and TransUnion.

2. A written explanation of how scoring decisions were calculated in relation to my utilization changes.

3. Assurance that my credit profile is not being subjected to discriminatory scoring practices, directly or through algorithmic bias.

I am demanding transparency, fairness, and immediate correction of any practices that result in unequal treatment. If I do not receive a timely and detailed response, I will continue pursuing this through all available legal and public channels.

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 non-monetary relief