Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After countless phone calls with TransUnion and talking with numerous Special Handling Department supervisors and their managers, they are still not able to give me a credit score. Even though they can issue their version of a credit report ( the latest dated XX/XX/XXXX ) which shows that they have had me in their system since XX/XX/XXXX, they say they have not received any monthly reports from any of my creditors so they do not have sufficient information to issue a credit score. 

We have placed multiple requests for an investigation or inquiry, a ticket number to be created so TransUnion can look this matter up with all of their Maintenance and IT, etc. Departments to figure out a resolution but every time we got a reply that they do not do anything like this and no such tools are available. 

All of my current creditors have told me that they have been reporting to TransUnion ( as well as XXXX and XXXX ) consistently every month since opening up my account which have been for the last five years or so. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( recently opened ) We have provided TransUnion with all of my account numbers and credit card numbers and they have attempted to search their system for any report under these numbers but have never been able to retrieve any. To us it is clear that it is impossible for my creditors to have never reported to TransUnion, especially since, i.e. XXXX XXXX is automatically reporting all of their existent accounts and it would not be possible for them to have excluded my account with them from reporting it to TransUnion. 

TransUnion also listed many of my past addresses, telephone numbers and employment data correctly. They also list several recent inquiries I have had on my credit report between XXXX and XXXX. 

Even though I have changed my name at least three times since the year XXXX, my social security number and date of birth have never changed. At one point, starting in XXXX, I had legally only one name, which was XXXX, and because the two fields for First Name and Last Name are required in most databases, the first and last name would sometimes be inverted, but it always contained my legal name no matter what. 
Apparently, there are no duplicate records under my social security number or birthdate according to the customer service representatives at TransUnion. 

I have already sent two overnight packages to them at their XXXX XXXX XXXX XXXXXXXX, PA XXXX which they acknowledged receiving that contained my updated name, social security card, drivers license and statements from my creditors, but they still can not acknowledge my credit score and say they can not find any instances of my creditors reporting my account status and credit history. 

I even signed up for the credit monitoring service provided by TransUnion.com and it shows credit scores for XXXX and XXXX, but not TransUnion. 

My husband and I have been preliminarily approved for a new mortgage loan for our house, but they can not finalize it because the local bank only gets credit scores from TransUnion and they need mine. The timing for this is essential! 

Please help me to get a credit score from TransUnion. There has to be some major disconnect, disfunction or a glitch at TransUnions end which causes the reported information on my account to get lost instead of received and recorded.

As you can understand, this is causing our entire family a huge undue financial burden which can only be rectified if TransUnion fixes their issues and begins to showcase correctly my credit history and score. 

( See Attachments )

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