Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Transunion Transunion -Last year, in XXXX, I came home from my trip with my ex to discover that there was a problem with my credit reports. After much investigation, calls, faxes, police reports, and additional headaches, I discovered that I had a case of a MIXED FILE. I met with this woman to assure her she was indeed a real person. She was very cooperative, giving me her phone number in case of future issues. The incorrect information was removed from my credit file with the transunion major credit bureaus, a CONSUMER STATEMENT was placed on my credit file, along with file NOTATIONS, and I issued a FRAUD ALERT. I also purchased Transunion & used additional service with kickoff to avoid future errors. This year, on XX/XX/XXXX, I applied for a credit card but was denied due to poor credit. I checked my XXXX XXXX XXXX for XXXX and XXXX, which were clean. However, TransUnion would not allow me to view my credit report online. After speaking with an agent over the phone, I had to fax in personal documents, such as my social security card, driver 's license, and proof of residence on. I called back on XXXX to check the status of the file maintenance. I was informed that the errored accounts associated with the other individual had been removed from my personal credit file and that a new copy of my corrected report was being sent to my residence. I did not physically see the errors on my file, but I was given disputed accounts w/ associated phone numbers. The TransUnion rep told me that it was the creditors making the mistake. I called each individual creditor on the accounts. Each told me that the error was on the side of TransUnion. I called XXXX again and asked to speak to a supervisor about discussing my options for additional security to be assured that the human errors on TransUnion 's side would not continue yet again next year. The representative told me that a supervisor would call me back later the same afternoon. I urged that the supervisor call me back, as I had been promised a prompt return call from a supervisor earlier the previous week during the phone discussion. I never received a call back from any supervisor that day either. I did, however, receive a letter from TransUnion regarding the FRAUD ALERT I placed on my file when I phoned in about not being able to receive my XXXX XXXX credit report. The letter was addressed to the OTHER INDIVIDUAL on whom I was putting the FRAUD ALERT out on! I couldn't believe it. The next day, on XXXX I called back to speak to a supervisor. I was put on hold 5 times, and transferred to two different supervisors. The final supervisor informed me that there was nothing he could do other than assure me that the matter had been taken care of. The same exact thing I heard last year. Each time this error occurs, it has a great negative effect on my life. It has cut me out of credit markets and housing, wasted precious little time off, added stress and a threat to my identity security, and jeopardized my employment prospects. I've done everything I know how to do to protect myself as a consumer. I purchased an identity theft protection service, I monitor my credit as often as I am able to at no additional cost, I placed a consumer statement on my personal credit file, made file notations, and issued a fraud alert. I do not know where to proceed forward with this issue, as there seems to be no options or outlet for the prevention of this devastating error, only ways to pick up the pieces once it happens- and I'm always the one left picking up the pieces. I have daily entries, credit reports from last year, and letters issued under incorrect names/addresses available upon request I am still waiting for my XXXX  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