Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion improperly subscribed me to their monthly credit report service without my permission or authorization! 

Around mid-XX/XX/2023, I successfully logged into my XXXX account using my User Id and Password to see if a freeze had been removed from my XXXX account. After an opening screen from XXXX, I was immediately and automatically transferred to a TransUnion website with no action on my part. I immediately closed that window thinking that I had made a mistake and logged in again to XXXX. Again, I found myself on a TransUnion website showing an order form for credit reports. Suspecting some type of scam, I immediately closed the window WITHOUT ENTERING ANYTHING. I assumed that was the end of the encounter. As far as I know, I have never set up a personal account with TransUnion as I do not have a password for them in my list of passwords and never recall contacting them before. 

On XX/XX/2023, I received an email from XXXX containing an invoice ( Order Number XXXX ) for {$21.00} for a monthly recurring subscription for a TransUnion report that was already charged to my XX/XX/XXXXcredit card. I NEVER ORDERED THIS REPORT. I assumed this was erroneous or a scam. 

On XX/XX/2023, I called the number listed XXXX from the invoice to report the error and request the invoice be canceled. A person named XXXX ( I assume from an XXXX call center ) answered and immediately asked for my Social Security Number. I offered to give him the order number to cancel the bill but he insisted on getting my SSN which I refused several times and asked to be transferred to his supervisor. About XXXX minutes later, I received a call from XXXX ( again with an XXXX accent ) who again demanded my SSN. ( Note : I have been scammed once before and I knew not to give any more information ). I again offered to give the Order Number but she insisted on my SSN. After several more refusals, she cursed and hung up in a huff. 

Since only XXXX was listed as the payment type on the invoice, I assumed wrongly that they didnt have my credit card number. I then checked my XXXX account online and there was a fraudulent charge of {$21.00} for a recurring subscription that I never ordered! 

I immediately called my XXXX card service and canceled my XXXX card. On XX/XX/XXXX, I received a replacement XXXX credit card account and found a XXXX months charge for {$21.00} on my new card. I immediately sent a letter ( similar to the above text ) to both TransUnion and XXXX. TransUnion then closed my account ( which I never had ) but said nothing about refunding my XXXX erroneous payments or canceling future billings! 

Please do something! I will be glad to provide additional information if requested. 
** On or about XX/XX/2023, TransUnion apparently refunded me the XXXX months of payments as shown in my latest XXXX XXXX statement but it has still cost me several days of work to, seemingly, get a response to a problem that should never have happened!!

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