Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written to TransUnion multiple times since XX/XX/XXXX. On XXXX XXXX and XXXX XXXX, XXXX, someone fraudulently applied for a credit card in my name through XXXX XXXX. I contacted XXXX XXXX and they contacted TransUnion and TransUnion sent me a letter on XX/XX/XXXX saying that XXXX XXXX had contacted them and they had removed the fraudulent inquiries from my account. I had also contacted TransUnion at the same time asking to have incorrect/fraudulent names and addresses removed. 

Last week I got a letter from TransUnion dated XX/XX/XXXX with a canned 2 sentences as the letter and an updated copy of my credit report SHOWING THE FRAUDULENT INQUIRIES FROM XXXX  XXXX. This report also still contains inaccurate names and addresses. 

After receiving this letter, the first thing I did was go to Annual Credit Report to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before ( and I absolutely can use it for XXXX and XXXX ), when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been removed and it hasnt, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. 

Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ 25/month. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I then created a new account. When you look at the information on the credit report obtained from this TransUnion website ( that I had to pay {$25.00} to see ), you will see that the names on this online report dont even match the names that were reported in the hard copy report they sent to me. There are incorrect names in both, but they dont even match. Also the online report does not contain the fraudulent address that is reported in the hard copy. Furthermore, the online report seems to be showing that the XXXX XXXX inquiries were removed. 

I have gotten to the point where I have absolutely no faith that TransUnion has any idea what they are doing. I have multiple reports from TransUnion that dont even match. I have a letter dated XX/XX/XXXX from TransUnion saying that they would remove fraudulent inquiries and then they sent me an updated credit report on XX/XX/XXXX with the fraudulent inquiries still on the report. None of their website tools even work.

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 monetary relief