I 've always had a continuously rising credit score as I have never missed paying a debt obligation on time. Shortly after I moved it was lowered XXXX. I received the information through XXXX and they use TransUnion. So I requested a free credit report from them and found no negative information. I phoned and then filed a so-called dispute online. It 's not really a dispute, I just want to know their reason for the XXXX cuts. Their reply was to simply send me a copy of my credit report with my questions in the Customer Statement area. That was my XXXX " free '' use of the online dispute medium. I then mailed them a letter detailing the issues I was concerned with. I will attach that letter and their reply. That they avoid answering any questions may be due to ineptitude or avoidance. I tend to think that my being retired and of a certain age, and that the cuts occurred immediately after I moved to a " low income '' neighborhood, activated a discriminatory algorithm. Hope my use of this agency serves to result in a meaningful reply from TransUnion.