Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against TransUnion Credit reporting, Two years ago I had filed a small claims suit against TransUnion, and since going to court, whenever I have called in, I was told that my credit file had to be kept in their legal department for one year. 

I did not see any reason as to why they should have had to do that, but any time since going to court, whenever I have called into TransUnion, I am not able to speak to the regular TransUnion representatives about my credit report. 

Whenever I have called in, I am transferred to another line in which I dont get to a live person, I have had to leave a voicemail, and I have to wait till someone calls me back as to why I had called in. 

And this is very inconvenient, because many times I have missed their return calls, so I have to call back and go through the same process over and over again. 

I feel that I should have full access to my credit information, and at this point in time, I do not. 

I am not wanting, nor have I made any request for my credit file to be placed in any program that TransUnion offers. 

I am not requesting, nor do I want, any fraud alerts on my credit file, and I am not requesting any promotional blocks, I want promotions. 

The only requests that I have made to TransUnion is to not have any telephone numbers on my credit file, as well as, I do not want my former Married last name of ( XXXX ) on my credit file. 

My name was legally changed to my maiden name, which is, ( XXXX XXXX XXXX ), by the court in XXXX, and I have already provided proof of that to TransUnion after my name change. 

The reason I am requesting your assistance, is that, I feel that, I should be able to call TransUnion just as any other consumer does to request a full copy of my credit report, as well as be able to dispute items on my report that are inaccurate, and my report should be accessible to anyone that I want to transact financial business with, and this is not what is happening with my credit file. 


Recently I contacted a mortgage lender, and I gave the lender my permission to run my credit report, and I wanted to also know my credit score. 

The lender got back to me, and told me that they were unable to access any part of my TransUnion credit report. 

I need your assistance in making it clear to TransUnion, that by law, they do not have the right to do whatever they want to do with my credit file, and they dont have the right to make it inaccessible to me, and to anyone that I give permission to access my information. 

There is no reason for them to have my credit file in any department that I did not request, and where I have to go through hoops in order to gain access to my credit report, and credit score. 

I want the Consumer Financial Protection Bureau fully involved in my complaint, TransUnion can contact the Bureau, and they can contact me. 

TransUnion can mail me the full copy of my credit report

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 non-monetary relief