Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
Through this site, about two weeks ago, I logged on to Annual Credit Report.com to request my annual free copy of each of my 3 credit reports. I got the XXXX and XXXX reports immediately and without difficulty. However, I got an error message from Transunion, indicating that my report was " not available at this time. '' I corrected the incorrect information on the XXXX and XXXX reports, submitted my changes, with documentation, and was pleased with the responsiveness of both companies. 

However, my Transunion report is strangely low - it shows me having a FICO score of XXXX, when i have no car loan, no student loans, no 'public record, ' and I make all of my mortgage payments in full and on time. So, I want to see the report because this number makes no sense - I would like to see what's there so I can correct any erroneous information. However, all I have gotten from Transunion are a bunch of emails saying things like " you're in! '' - to some credit monitoring service I do not want and for which I never agreed to pay. 

So, tonight, I tried again - and again got the same error message ( " i've attached a screenshot ). This time, I called the phone number supplied. I went through the identity verification protocol several times - strangely, most of the information about past addresses, townships, etc. was *way* off -- nothing close to accurate. I hung in there until I got a person, very polite, but still unable to get me my report. He said they required more information from me : a copy of my passport, driver 's license, and a recent bill with my home address. He told me to mail it to XXXX XXXX XXXX, XXXX, PA XXXX - and that within several weeks they would mail me a hard copy of my credit report. Note : I have not requested any reports from Transunion - or anyone- until a few weeks ago. I requested my Transunion report in I think XXXX, 2021, but never got it. 

Then, he asked me what was the problem I was having. I described it, as above. He told me he could get my concerns addressed right away, and that he would connect me with the proper department - open until XXXX EST ( It is now XXXX EST ), where people were on call to address my concerns. Note : it is hard to correct a credit report you have never seen. Also, I am not sure how I am to correct a hard copy - certainly it is not as straightforward or speedy as doing so online. 

Well, the lights at that other number may have been on, but there was nobody home. Instead, I was subjected to an endlessly looping sales pitch for credit monitory, for " only '' some dollar amount, and to get my FICO score for " only '' {$9.00}. So, I waited and went through all the authentication protocols repeatedly, only to have to listen to a recorded sales pitch, over & over again. 

I just want my free credit report, and a chance to correct it. TransUnion seems to want to make this very difficult, but while making me wait, to convince me to buy a bunch of 'products ' I don't want. Please help

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