Consumer complaint received 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Statement from Transunion in the first complaint We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, our records show that your security freeze was placed on your TransUnion credit report on XX/XX/XXXX, in response to your request via the internet. If you would like the security freeze permanently removed from your TransUnion credit report, please submit your request in writing along with the PIN that was provided to you on XX/XX/XXXX. 
In order to verify the accuracy and completeness of the item, we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. XXXX # XXXX verified your name, address, date of birth, and social security number as being accurately reported. The current balance was updated from {$1100.00} to {$1500.00} and the credit limit from {$2200.00} to {$1700.00}. The account currently reflects as an open charge account in good standing. 

From Transunion 's Website - what is a Freeze? 

" Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion Credit Report entirely, which will prevent them from extending credit. With a Security Freeze in place, even you will need to take special steps when you wish to apply for any type of credit. '' First issue - Trans Union says that a Freeze was placed on my file in XX/XX/XXXX. The file has been open and unfrozen since at least XX/XX/XXXX, and that is evidenced by the many inquiries to my file, and the lack of activity from me since and through XX/XX/XXXX, to remove/add back the same. TU has also stated, that I need to lift the freeze permanently, when this was already done by me - in XX/XX/XXXX. 

I attest that my record is corrupted, as even TU 's " FREEZE '' site - says I have no FREEZE, yet the Member Site -- - says there is. In speaking with the reps at TU - they could neither explain the issue, nor recommend a fix to this data issue. 

If - there was a freeze, than TU is now asserting, it has allowed access to my file 40 times, in the last 2 years with absolutely no approval or, written or traceable action by me. 

The attached screen shots, show - a " Freeze '' state and then -- -- a " No Freeze '' state from its systems, in the same day. 

The record is corrupted, please simply fix the state of FREEZE/UNFREEZE. 

Secondly - with the update from XXXX ;, the REQUIRED pay history remains incomplete - allowing this Tradeline to be incomplete and inaccurate. The account was opened in XX/XX/XXXX, and NO history exists until the recently inserted " XX/XX/XXXX OK '' status. 

Please either update this record to be complete - or delete the tradeline for it has been left incomplete and now wholly inaccurate. 

Please share a printed, and mailed credit report as I do not agree to online results or reports.

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