Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
This first part is meant for the person at cfpb, Im hoping this information isnt to personal, it shouldnt be though. My complaint is for transunion and if theres something else other than transferring this back over to them then please do whatever that is because transunion is being extremely stubborn with helping me, but, if theres not anything else then at least this complaint is on file, ill take either way at this point. 

I pulled my credit report on XX/XX/2018 via XXXX and received a trans union letter in the mail on XX/XX/2018. The letter said the address on file doesnt match the address thats on file. They then give two ways to dispute it, 1 : I can send in photo copys of my drivers license, ssn card, bank stubs, etc. 2 : i can visit XXXX to dispute the addressing issue. I tried to make an account but trans wouldt let me. It popped up an error message. I waited until the following monday ( XX/XX/2018 ) to call them because they are closed on the weekends. I was told that i already received a copy of my report even though i hadnt so i asked for a supervisor, The superviser said to ignore the first letter because someone called in and updated my address on XX/XX/2018 and the actual report would arrive on XX/XX/2018. The problem is, THAT WASNT ME. I even double checked my phone records. Ill take that to my grave, it wasnt me that called in. I received the report and it list my current mailing address twice. It was added once on XX/XX/2018 and added back on XX/XX/2018 as well. 

I called to ask why i received the original letter since my address had been on file for more than 5 months and was transferred around a few times until i reached a supervisor. I was told the address was updated because XXXX XXXX  reached to trans union and updated my address on XX/XX/2018 and my address updated the following day. The problem is i dont have an account at XXXX  so XXXX wouldnt even have my address on file. I asked for some more information about that but they refused to tell me any more information. At this point I asked to be transferred to each persons boss because each person didnt wont to tell me MY OWN INFORMATION. I eventually got to someone that said they were the top person that i could get, at that point i was told the reason why i received the first letter asking me to verify my address because trans union had to diffrent credit report files for me, one of them had my current address. ( Is that even legal!? ) Thats also the reason why i couldn't make an account on XXXX, because my address was mixed up on file. They merged the reports together and told me they cant tell me more information about the address update that i didnt update and can view it online on transunion.com. I tried to make an account again just to find out that it requires a credit card to make an account. I dont have a credit card so i called the head person back and was told to contact the membership department for a promo code, I did and the membership agent hung up on me, I called the membership department again and was told that theres nothing they can do for me, Its a credit card or no access. I called the head guy back again, He told me to try to pull up my information on XXXX XXXX, I made the account on XXXX XXXX to receive a message saying XXXX  cant verify me. I searched XXXX  help articles to find out its trans unions fault if something like that happens. 

I called the head guy back again, He told me to wait 24 hours and to try again because XXXX website would need time to update since trans just merged the report together. ( even though the address had been on file for more than 5 months and was updated yet again a week ago! ) At this point i called chase and was transferred to the highest person i could get, She was extremely adamant that XXXX hadn't reached out to credit bureaus and/or updated anything about me in over a year. I tried the XXXX  website again today with both addresses that transunion had on file and XXXX  still couldnt verify me, after that i reached out the same deparment at transunion again to ask if the could double check if it was XXXX, They refused to answer and kept saying " thanks for contacting, is there anything else i can help you with '' as if she wanted to hang up and yes there is something you can help me with, ANSWER MY QUESTION!! 

Thats the story. Theres a hundred different ways i can take that and none of them are good. Did i receive the first letter because someone wanted photocopys of my personal documents? Why did i even receive the first letter since my address had been on file for more than 5 months? Who updated my address? Why did they update it? How did they update it? I needed to send in photo copys of me personal documents, why didnt they need those, or, Do they have those? Why did i have two reports, That also indicates identity theft, at least it does when my address gets updated from a bank i dont have. Why cant i know how my information was updated when it is MY INFORMATION?!? ironically they even give the disclaimer in the messed up report saying " you have the right to know whats on your file '' Thats Apparently not the case with transunion! 

I could ask a lot more questions like those ^^^ but i wont. Ill end it with this. Why cant i access my own information? Let me be more direct since the employees at trans union cant seem to understand my previous question. WHO UPDATED MY ADDRESS?!? Its ironic that someone else has easier access to my information than i do, but, trans union doesn't seem to care, not only about me not being able to view my information for myself, but, also that someone has my information and is probably using it for .... I dont know, but thats what im trying to find out. I have every legal right to know MY OWN INFORMATION. Pretty much the only reason why im not getting a lawyer at the moment is because im hoping this leads somewere. At best, All most everyone working at trans union are bad at their jobs, At worst, The are liable for XXXX  my life over. Let me rephrase that, They will be liable if my life gets XXXX   over. 

Im not sure whats on the next page. Hopefully contact information

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