Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against TransUnion LLC. For years I had been experiencing difficulty in acquiring copies of my credit reports from TransUnion after I had tried to take them to small claims court. 

For years, and for some unknown reason, they had, had my credit file tied up in some TransUnion XXXX XXXX  department, and when I would call into the regular consumer call in number to request a copy of my credit report, I would be asked all sorts of questions to verify myself, and when I would answer the questions correctly, they still would not provide me with the copy of my report that I was requesting. 

For years, when I would call TransUnion, they would automatically have my phone calls routed to an overseas call center, and I would get nowhere with them most of the time. Most of the time my calls would be placed on hold for extended periods of time, or I would be hung up on after waiting for extended periods of time. 

Finally it boiled down to, that for years, each time I would call TransUnion I would call in, and my calls would be transferred to a line where I had to leave a voice mail, and I had to have someone to call me back from this so called XXXX XXXX Department in order to discuss anything regarding my credit file, or to try to obtain a copy of my credit report. 

There was no reason as to why I should not have been able to call into the regular TransUnion consumer line that all the rest of the world calls in to, to acquire copies of their credit reports, TransUnion was doing all sorts of funny stuff with my credit file. 

As previously stated, it had been years that I had experienced trouble in acquiring copies of my credit reports from TransUnion, and since last year I have acquired a few copies. 

And today I was again looking over the attached copy of the report that I have sent to you, and this is where my complaint is. 

I do no appreciate the fact that TransUnion feels that they have a right to disclose all of my personal financial information on my credit file. 
In the first place I do not feel that they have to have ANY Third Party Supplemental information on my credit file, especially when they did not inform me, or ask me if it was ok for them to do so. 

They have all of my home information on my credit file, and they are providing this information to whomever without my knowing, or without my consent. 

This XXXX XXXX XXXX XXXX XXXX that TransUnion provided my personal Residential information to, I did not know anything about this, nor did I give TransUnion any permission to give out my personal residential information to anyone, or to any business. 

I am so angry, this has no business being on my credit file, worse when I was not asked or, told anything about this. 

These are the things that TransUnion had been doing when they would not provide me with copies of my credit reports when I requested them. 

Or this is the information that they were not showing on the copies of the reports that they eventually provided to me. 

If you look at my credit report, why is TransUnion running my credit report so frequently, going all the way back to XXXX, and possibly beyond, as stated all the while they were not providing me with requested copies of my credit reports. 

If you look closely at the report, it shows that at times they had been running and retrieving my credit reports daily, and each and every consecutive month, why? 

I surely have not requested any form of credit monitoring from them. A few years ago I would try to pay for a credit score, and I would not receive it. 

Ive had to dispute the fact more than once that they took my money from my credit card, and not provided me with the credit scores that I had paid them for. 

TransUnion would take my payment, and not provide me with the credit scores, and then they would claim that I had paid them for monitoring, which I never had on my credit file, nor did I request it. 

The false monitoring that they had claimed that I had paid them for, is the cover up that they were using for how they were giving away my information to any and every one that requested my credit file, or possibly to individuals or companies that they TransUnion offered my information to unsolicited. 

TransUnion has made me a target, why under the XXXX XXXX XXXX section of the report, why are they listing, Pension/Social Security, and why are they listing XXXX on my credit file, wherever my finances come from, and whatever my physical condition is, does not have to be broadcasted on my credit file. 

The wording in the section states, XXXX XXXX, I have never worked for Social Security, nor any Pension company, me being retired XXXX shouldnt be listed, I should have some right to privacy. 
The only employer that should be listed is the XXXX XXXX. 

With all of the information that they have on my credit file, I see now why I get the kinds of scam solicitations that I receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation