Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I rec 'd a declination letter from XXXX re. my request for an increase in my credit limit per the card I have with them. In that my payment history with them was pristine and that XXXX suggested that, if I wanted, I could get, from the reporting agency itself, a copy of the credit report and score that they drew upon to make the determination in rejecting my request, I then called that agency, ( Transunion ) and was given the 'opportunity ' to leave a voicemail and decided instead to go to the online website for the reporting company that XXXX had also included in the contact info for such agency. 
When I did, I saw various 'offers ' that were apparent attempts to misdirect me from getting my report and score for free.. I did not fall for those 'offers ' and instead navigated successfully to eventually get the credit report, but when I did, I saw that it was to be presented in XXXX parts, part XXXX being the report and part XXXX, the score, ( as the XXXX parts were shown as buttons prominently placed near the top of the page. After reviewing the report, ( with lots of errors evident in it of course ), I then clicked on the '' SCORE '' button and instead of being directed to my score, I was sent to a page that was a cleverly designed but nonetheless, obviously misdirective page that gave a couple of choices to actually get my credit score, but ... neither choice included getting the score for free. I struggled to make the site function in a manner to accord with the Fair Credit Reporting Act dictate per the providing, in my circumstance, a free score, but could not accomplish such. It is pretty clear to me that the site was designed to thwart attempts to gain a free copy of the scoreand frankly it is also pretty clear that this is a violation of the aforeref 'd to act. 
BTW : Not to sound defensive here, if anyone were to presume that I simply do n't know how to use the transunion site, I not only know how to navigate websites effectively/I am 'computer ' literate, I am the former XXXX for a search engine and the former XXXX of a XXXX XXXX company. The Transunion site I visited today was intentionally engineered to rip people, to deny people that under current law should be able to gain a free copy of their credit score. I copied the report page and the iterations of the page that XXXX gets when they click on the score button. Know also that I left a detailed message along with my phone number with your agency 's " XXXX '' group. 
The 'Attach documents ' feature below does not work for me, ( I tried several times in several ways, it does not work ), so though I am ready and willing to provide documentation to support my representations herein, I am hampered from doing so via the method given below. Therefore if I could be given an alternate approach for sending such documentation I would appreciate it. Otherwise, to the extent that it might actually be looked at and responded to, this missive will end up being nothing more than XXXX in the wind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation