Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a written dispute by mail with TransUnion. On XXXX of the first XXXX  days of XXXX 2019 I had a letter from them. In their letter they claimed before they could mail me anything after investigating my dispute, I needed to provide them with " Proof of Current Mailing Address '' They had a list of personal documents ranging from Government Issued ID card to Bank statements to my XXXX card. All documents you should be very careful about having circulate in public. The letter then seems to give the consumer advise about how to protect their personal information ; keep an eye on your credit ; be careful on the internet ; lock your credit report are what they suggest. Then they go on to say that " You can do some of the above on your own, but you can do even more with XXXX  The letter says TransUnion created this Identity protection service to help consumers. To their credit they do say it is a free service. 

The second page titled " Disclosure Request Form '' request name, current and previous address date of birth and social security number. It then lists documents you can submit as Proof of Current Address and another list for Proof of Social Security Number ; Proof of Date of Birth and a list of XXXX  bullet points about what is acceptable. What makes this form deceptive and nothing but a thinly vailed sales come on is that it says to use this form to get a copy of your credit report and to attach whichever documents you send them to it and " if you wish you may also use this form to purchase a credit score and have it sent with your report/ '' Well think about this. They need proof of your mailing address that is the premiss, so why do they then want proof of your ssn, dob etc? What to they have to do with your address. Oh and btw you can use this same form to order your credit score for {$9.00} also. 

They mailed the form to you at your address. You sent it back, doesnt that prove your address? Of course it does, this form is deceptive and on the surface appears to tell the consumer they need to take action not required by the FCRA to provide proof of address, when in reality it is nothing but a sales letter designed for TransUnion to use the onus of the fact they are a credit reporting service to scare the average consumer into turning over information and copies of personal documents TransUnion has no need to have IF as they say they need you to provide proof of your current address..which as I said by responding you have. 
When I called TransUnion and voiced the above to the customer service rep she got flustered and transferred me to a supervisor. The supervisor asked me to say my name, address etc and then told me i had been verified and did not have to return this form or take any other action. 

This is nothing but deceptive and they should be prevented from duping the consumer in this way.

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