TransUnion Intermediate Holdings, Inc. Credit Reporting Complaint

TransUnion Intermediate Holdings, Inc. Credit reporting department,

Credit reporting company's investigation Inadequate help over the phone Kansas

Synopsis : I refinanced a vehicle loan. The original loan was through - - and that loan was paid off using a loan I obtained from my financial institution, - - -. The loan officer I worked with advised me since my credit score was below - I did not qualify for a substantially lower loan interest rate. The higher loan interest rate will require more than an additional $1000.00 in loan interest over the lower rate. A rate I would have qualified for had my credit score been - or higher. The loan officer advised me - - - utilizes the credit score provided by TransUnion for loan qualification purposes.


card. This information was confirmed during a telephone conversation with TransUnion representative, -, on - -, 2016, at - Central Time. After asking her location, - advised she was in -. I called TransUnion the previous day, - -, 2016, in an attempt to rectify the arbitrary nature of my credit report and score, but when I spoke with " - '', in -, she could not understand my simple questions and simply sent me a copy of my personal credit report. A request I did not make. - would not respond to my direct questions in reference to code - on the credit report TransUnion provided to - - -. I asked - the following questions : What specific - was TransUnion referring to in the credit report since I only have, and had, - credit card account open ; and how many Consumer Finance Company Accounts are too many? As previously stated, - did not understand my simple questions and simply said she would send me a copy of my credit report. Speaking with an individual whose native language is not - did nothing to de-escalate this issue, so on - -, 2016, I, again, called TransUnion and demanded to speak with someone whose first language is -. The customer service representative in - that answered my call identified herself as -. To address my language concerns I was put into contact with -, from -. After explaining my issue to - she proceeded to talk in circles and would not truly assist me. When I asked - the same two questions I asked - the day before, she responded by advising me a - was, indeed, a credit card, but then responded with, " what account are you referring to? ", when I inquired about how many - - - - are too many. - proceeded to list the reasons that are itemized on the credit report as the reasons. I advised her the items she listed were listed separately and apart, and that I requested to know how many - are too many. - refused to provide a response. I demand the following : I demand a detailed explanation on how TransUnion came up with the completely arbitrary figure of - as my credit score ; I demand to know TransUnion 's definition of - ; and I demand to be advised how many - are too many. I have provided a copy of the credit report provided to - - - by TransUnion as supporting documentation. I have also highlighted the closed accounts and added some notes. As is clearly seen, TransUnion 's credit report indicates I only have - credit card account open. Apparently - account is too many, but if that is the case I demand that determination in writing from TransUnion, with specific reason ( s ).