Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The issue that I need to address here is very complicated and confusing and therefore, if this complaint reaches Transunion as it is, this complaint must be reviewed by a Transunion Manager. I have tried to address this issue several times with Transunion representative over the phone and I have been given, over and over, all assurances that this issue will be immediately taken up and resolved. But nothing happened until today. I believe that the issue herein is caused due to some sort of an internal error or a system glitch within the Transunion. This issue is noticed in the Credit Reports that are generated by " TransUnion Credit Monitoring '' and other Credit Monitoring services such as " XXXX XXXX '' etc. that are also from and/or associated or affiliated with TransUnion. As you very well know, a credit report issued to a consumer at his/her request pursuant to FACT ACT FREE DISCLOSURE, should be issued as a soft inquiry. My complaint is this ; For some reason, the credit reports generated or populated by these credit monitoring services ( such as " TransUnion Credit Monitoring '' and other Credit Monitoring services such as " XXXX XXXX '' etc ) that are associated and/or affiliated with the TransUnion is listing the issuance of such Credit Reports as a Hard Inquiry. For Instance, my credit reports, both from " TransUnion Credit Monitoring '' AND " XXXX XXXX '' are listing it as hard inquiry ; The details of that hard inquiry from such reports are as below : INQUIRER : XXXX XXXX XXXX -CATEGORY : Miscellaneous, Not Elsewhere Classified - INQUIRY DATE : XXXX XXXX, XXXX - Inquiry Details ; Inquiry Date : XXXX XXXX, XXXX Inquiry Type : Individual ; Inquirer Info : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX PA XXXX ( XXXX ) XXXX. Each and every time when I called Transunion, and Transunion Credit Monitoring service, the representative with whom I addressed this issue was not even aware about the fact that the address ( ie. XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ) as listed above about the " inquirer '' and the " inquirer Info '' indeed belonged to and is the same address of TransUnion. How would an off-shore representative could know where is " XXXX '' located in USA anyway? Having said this, let me get back to my issue again. This is not a hard inquiry. When it is not a hard inquiry, the credit monitoring services can not and should NOT be listing it as a hard inquiry. Consumers subscribe for Credit Monitoring services to get accurate information about their Credit FILE. Here, TransUnion itself is misrepresenting facts through their direct or own credit monitoring services as well as through other credit monitoring service providers that are directly associated and/or affiliated with Transunion. The seriousness of the issue can be found if you XXXX the term " XXXX XXXX XXXX ". There are so many consumer complaints and concerns on this matter. Before, conclusion, please save your excuse if you are planning to tell me that the Transunion Report does not list this as a hard inquiry. I know they are NOT. What I am complaining here is about the fact that the Credit Monitoring Services of Transunion and as well as other credit monitoring services such as " XXXX XXXX '', who are associated and/or affiliated with Transunion, are reporting FACT ACT FREE DISCLOSURE as a hard inquiry. I have included my telephone number at the conclusion of this report and I will appreciate if a Transunion Manager could give me a call about this issue. Transunion should immediately and very seriously look into this matter, and do what is needed immediately, to have Transunion Credit Monitoring service and all other credit monitoring service that are affiliated and /or associated with Transunion to immediately, CEASE and DESIST from reporting and/or continue in reporting any past, present and/or future FACT ACT FREE DISCLOSURE as a " HARD CREDIT INQUIRY ''. Failure to do so will be clear violation of all applicable laws, rules and regulations.

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