Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
XX/XX/XXXX Re : TransUnion/XXXX  Credit Bureaus/Reporting Agencies Both agencies indicate they use the same scoring system = " Scores calculated using Vantage Score 3.0 ''. 

THERE'S NO OPTION ON EITHER OF THESE CREDIT REPORTING AGENCIES " DISPUTE FORMS '' TO ADDRESS ISSUES REGARDING UNUSUAL POINTS DEDUCTIONS. 

XXXX, XXXX XXXX points " NO CHANGES RIGHT NOW '' " We know it can be jarring when scores change but you don't see why. A few score factors are more " invisible '' - like an account getting older or a scoring model adjusting its recipe- so don't worry, it's normal to see fluctuations in your score, even without changes. '' TRANSUNIONXXXX, XXXX XXXX points " A collection was removed from your file ''. ( *see below ). 

XXXX. XXXX, XXXX XXXX points " Your credit card balance increased by {$81.00}. from XXXX $ to {$81.00}. '' ( Points deducted for USING my credit card? ) TRANSUNION-XXXX, XXXX XXXX points " Your credit card balance increased by {$81.00}. from XXXX $ to {$81.00}. ( Points deducted for USING my credit card? ) TRANSUNIONXXXX XXXX, XXXX XXXX points " Account Opened New Swiss Colony account detected ''. ( I only have XXXX ( XXXX ) XXXX XXXX  account which TransUnion had previously, just several months prior, reported on with excellant credit. ) TRANSUNIONXXXX, XXXX XXXX points XXXX XXXX  Credit card was closed. " Inactive account ''. ( This was closed by XXXX, unknown to me - I only learned about this when checking my credit reports on XXXX XXXX. ) XXXX, XXXX XXXX points SYNCB/CARECREDIT-credit card closed due to " inactive account ''. ( Same issue as TRANSUNION above XXXX points - same scoring system? ) XXXX, XXXX XXXX points " NO CHANGES RIGHT NOW '' " WE KNOW IT CAN BE JARRING WHEN SCORES CHANGE BUT YOU DON'T SEE WHY. A FEW SCORE FACTORS ARE MORE " INVISIBLE '' - LIKE AN ACCOUNT GETTING OLDER OR A SCORING MODEL ADJUSTING ITS RECIPE-SO DON'T WORRY, IT'S NORMAL TO SEE FLUCTUATIONS IN YOUR SCORE, EVEN WITHOUT CHANGES ''. ( What? deduct XXXX ( fourty ) points for no reason? ) *TransUnion XXXX, XXXX This collection represents the original creditor : XXXX & XXXX XXXX Dating back to XXXX, XXXX XXXX XXXX would add the same collection, then remove it XXXX month then add it again the next month under a different collection agency etc. using XXXX ( XXXX ) different collection agencies & this continued for XXXX years, until XX/XX/XXXX when it was removed & hasn't appeared since. However, everytime it was reported as a " new '' collection, points were deducted, then the collection was " removed '' the next month or two only to appear again under one of the three collection agencies they used, fluctuating with various points deducted then added & deducted, continuously. I also have hard copy printouts of this history I HAVE HARD COPY PRINTOUTS OF ALL OF THE ABOVE & ARE AVAILABLE ON REQUEST. I COULD NOT FIND A FORMAT THAT WOULD ALLOW ME THE OPTION OF REPORTING THIS TO THE ACTUAL CREDIT BUREAUS ( TRANSUNION/XXXX  SINCE ALL THEIR FORMS ARE GENERIC QUESTIONS THAT DON'T APPLY TO THIS ISSUE. 
THE STATEMENTS ON BOTH CREDIT BUREAUS UNDER SUBTITLES DESCRIBE MY " STANDING '' AS " EXCELLANT '', OTHER THAN THE SECTION RELATED TO " DEBT '', I DON'T CARRY ENOUGH DEBT TO SATISFY THAT SECTION. I FIND THE ABOVE RANDOM DEDUCTIONS WITH A POOR EXPLANATION, DISTURBING, & CURIOUS IF THESE AMOUNTS ARE THE RESULT OF STANDARD PRACTICES? 
Thank you for your time in review of the above.

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