As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray.