TransUnion Intermediate Holdings, Inc. Credit Reporting Complaint

TransUnion Intermediate Holdings, Inc. Credit reporting department,

Incorrect information on credit report Account terms Minnesota

I use - to monitor my credit score. Recently I paid off many credit accounts. As I was monitoring my score I noticed that Transunion & - were - points apart when normally they 're only a fews points apart. Upon comparative investigation I notice Transunion dropped - points and - rose - points. It appears the credit utilization algorithm Transunion is using, is different than -. Transunion credit utilization algorithm portion appears to be wrong, because it took a single credit card account that I had 87 % of it 's credit used and counted it as if it were my total credit available, which appears to be the reason why Transunion lowered my credit score - points. I find no other negative change that could have caused this. It not only dropped - points, it also penalized me the - points - rose, which combined has cost me an accumulated - points. I can find no other reason when I compared the two credit reports that could have caused these two changes on the same date.


are directly impacted the fees. It would n't surprise me if there 's no one responsible for checking these applications that are helping banks to quietly charge consumers, illegally, higher than earned interest rates. In my case it 's - points, which is the difference between Good vs Excellent credit rating. Depending on how much I borrow, this may have cost me higher than legal financing fees, ranging from $ - to -. It just so happens that my credit situation is nearly clean that allowed me to notice this discrepancy. Please check into this specific issue with Transuion, also inform me of how the government monitors the applications that generate credit reports on a regular bases to ensure there 's no tempering.