Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Good Morning, I am currently on someone else 's account with XXXX. I inquired with XXXX to have my own account so that I can start building credit after having been hit with Identity Theft and having it cleared. After speaking with XXXX they said that it would be a Soft Inquiry and not a Hard Inquiry and it would be great for building credit. I said ok and they told me that they needed a special pin from Transunion as I have a credit freeze on all XXXX Credit Bureaus due to Identity Theft to gain access to my credit file. After getting a pin I would have to wait 72 hours before they could run my credit. After the 72 hours have passed I contacted XXXX so that we can start the process. They said that the pin did n't work and that I would need to contact Transunion to allow XXXX to gain access. I contacted Transunion who explained that the pin is fine. I called XXXX back and they said to see if I could get another pin, because the pin they have is n't working. I contacted Transunion to get another pin. I waited another 72 hours before contacting XXXX to try to get the change of responsibility up and running. XXXX told me that the pin still did n't work to again contact Transunion. After calling Transunion, they told me that they have given XXXX all the access that they needed and the only thing left is a XXXX XXXX for a certain amount of time. I said ok and contacted XXXX who said that I would have to wait another 72 hours before they can run my credit. The 72 hours passed again and they still could n't offer me my own account. XXXX told me to contact Transunion to find out why they are not allowing XXXX to gain access to my credit file. Transunion said they gave XXXX all they could and there 's nothing more to give access to that they have n't given already. After talking with XXXX they offered to go to another credit bureau to check my credit and I declined after what I dealt with already. I got an alert from XXXX that said that I got hit with XXXX Hard Inquiries from XXXX for XXXX separate dates when I was specifically told that it would be a Soft Inquiry once to begin with. If I would have known it would be a Hard Inquiry from the start I would have said no to the change of responsibility. I called XXXX to request to have the inquiries removed in which they said they ca n't be removed by them, but to contact Transunion to have it removed. I called Transunion requesting the inquiries be removed, but they told me that they would need a letter from me requesting the inquiries be removed as well as a letter from XXXX on company letter head or an email. I got an email from XXXX requesting the inquiries be removed and I typed a letter which I immediately sent to Transunion so the inquires can be removed, but Transunion needed the dates the inquiries hit my credit file to be in the email. I typed up a revise of my letter to send via fax and I asked XXXX to revise the email with the dates that they sent me and that it should be sufficient enough. XXXX claims that they ca n't send emails like that and that I would just have to wait for the inquires to fall off or contact Transunion and file a dispute. I was giving incorrect information when I said every step of the way I did n't want any Hard Inquiries due to having had Identity Theft and that I was in the process of building credit. This is affecting me greatly as I was on the path of obtaining a house, but with these Hard Inquires that dream wo n't happen until it is removed.

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