TransUnion Intermediate Holdings, Inc. Credit Reporting Complaint

TransUnion Intermediate Holdings, Inc. Credit reporting department,

Unable to get credit report/credit score Problem getting report or credit score California

On - -, 2017, I went online to obtain my credit score. My credit card company, -, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as -. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of -, and very soon after had fallen to -. Then it went to - and to the present score of -. I wanted an explanation for the drop from - to -. The site said that if I had any questions about my - score, I should call TransUnion, and it listed a phone number. On the -, I also obtained my free annual credit report from TransUnion. There was nothing


a current score different from - ( but they would n't tell me what it was ), and they speculated that - was using a different scoring model than TransUnion does ( they mentioned - ). They were denying that they even supplied the score that - was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and -, and they refused. They told me to go back to - for any explanation of the score. So I called - at - - to ask for an explanation of the - point drop, and to verify who actually calculated the score I was seeing on the - site - - or TransUnion. The - Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that - DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a - point drop in just - or two months without any negative data to support it.