Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion.