Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint is regarding my Transunion credit score. On XX/XX/2020, I received an email from XXXX  stating that there was a change to my credit score.  I logged on to my XXXX account and found that my Transunion credit score had decreased by 44 points, and was currently at a score of XXXX. This is in contrast my current XXXX and XXXX scores, which are both XXXX. 

I found the 44 point drop on the Transunion score very confusing considering that I am current on all my payments and have been current throughout the life of my overall credit. Further adding to my confusion is the fact that my Transunion score increased by 6 points on the XX/XX/XXXX report, and was XXXX on that date. 

Nothing has changed to warrant the 44 point drop in my Transunion credit score.  There have been zero missed payments, and all my accounts are and have been current. 

I contacted Transunion to request information regarding the score drop. Unfortunately, the Transunion representative refused and/or otherwise failed to provide any information whatsoever to clarify why my score dropped 44 points. I explained to the rep that my accounts were current, and the rep agreed that my overall credit history did not explain the drop by itself. As such, there is nothing to dispute on my actual credit report from either Transunion, XXXX, or XXXX   in terms of the information appearing on the reports. 

My dispute is the 44 point drop, which is seemingly completely unwarranted. Further, my complaint is that Transunion refused and/or otherwise failed to provide information justifying the score drop. 

Credit scores are a gateway to uncountable opportunities in this country. By collecting credit data for the purpose of creating credit scores and reports, Transunion in effect functions as a gateway to uncountable opportunities in this country. As such, their issued credit scores can not be determined arbitrarily, as it seemingly was in this case. 

Allow me to make the following analogy. An individual is XXXX   and placed in XXXX. The individual asked the XXXX, " why am I in XXXX? '' The XXXX  responds, " well, i don't see that you've committed any crimes that would warrant holding you in XXXX. '' The individual then say, " release me then because i am being punished without cause. '' The XXXX replies, " unfortunately, in order for me to let you out, you need to go to court and exonerate yourself. '' Perplexed, the individual responds, " how can i go to court and exonerate myself if i have not been charged with a crime. '' The jailer then say, " I don't know what to tell you. '' In this case, I am the individual being punished without cause, and Transunion is the XXXX. 

Further, Transunion charged me {$25.00} to provide me with " I don't know what to tell you '' without disclosing to me that i was apparently agreeing to a monthly credit monitoring service. Such a scam. 

The remedy i am seeking is an adjustment to my Transunion credit score that  actually reflects my credit history. If this is impossible, then i seek a remedy consisting of Transunion providing substantial information regarding why the score dropped 44 points when my credit history has stayed consistent throughout the overall life of my credit as an adult.

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