Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently this past XX/XX/XXXX, I wrote to TransUnion ( Credit Reporting Agency ) XXXX. XXXX XXXX XXXX, PA XXXX requesting a copy of what they have listed under my social security number along with my name, social security number and address. On each occasion TransUnion has responded by denying me a copy of my credit report. TransUnion further exasperates the problem by asking me for the following : My Drivers License, State I.D, Bank Statements, and several other pieces of pertinent personal information. My complaint as a United States citizen, is that TransUnion 's procedures and practices are illegal because they sell your information without ones permission. The practice of obtaining ones information for the purpose of sale needs to be investigated by not only the CFPB by the agencies that placed XXXX ( another credit reporting agency ) under the microscope. By refusing to send me my credit report, I am being adversely affected by the fact that TransUnion is only requesting my exclusive personal information solely for the purpose of selling it to gain financial wealth. THAT SHOULD BE ILLEGAL IF IT'S NOT ALREADY!!! I have been denied credit on each occasion that I have written and requested a copy of my credit report from TransUnion. 
TransUnion after refusing to send me a copy of my credit report, request that I send them money to address the matter and ultimately offers to monitor ones credit at a fee. TransUnion needs to be investigated by each any every institution that governs consumer reporting agencies. TransUnion is a fraud and their only purpose is to extract money from consumers with the promise of protecting them. TransUnion IS A SCAM!!! 
Funny, I received my credit report from the other credit reporting agencies without dividing up massive personal information. The bottom line is, if one has been denied credit because of what is on their credit report, how are they to address the problem when they can not obtain a copy of their credit report unless they abide by the scam ways used as a catalyst to get and sell information of consumers by TransUnion. What federal agencies can we contact to address this huge problem of having to jump through hoops, pay money and be denied a copy of ones credit report. Also, TransUnion in order to scam people will not allow any human to respond but rather a computer. They are full of it!!! My first challenge for the CFPB is to see if you can reach any of the scam artist via a live person. Next I would ask that you forward this letter the the XXXX XXXX XXXX in the state of PA where these scam artist are located. Then I am asking that the CFPB deliver a copy my letter and concerns to the XXXX XXXX XXXX, Federal Trade Commission, Federal Deposit Insurance Corporation, Federal Institutions Examination Council ( division in PA ), Federal Board of governors ( for the state of PA ), National Credit Union Administration and lastly to the Financial Stability Oversight Council for the purposes of investigation. I appreciate your attention to this matter as I am XXXX XXXX percent XXXX and my credit is everything to me.

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