Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is about TransUnion Credit Reporting Agency : Dated : Wednesday XXXX XXXX XXXX Subscribing to XXXX for a 7 day trial for {$1.00}, which allowed me to access my credit file from all three credit reporting agencies. 

In review specifically the file and items on file with TransUnion there was one item incorrect. 
XXXX facilitated at there site to link to TransUnion to file a dispute. When doing so TransUnion site prompted me to put in personal data and establish an account etc. of which I TRIED TO DO. BUT : 1 ) Error messages would come up Technical Difficulties 2 ) URL not valid.
3 ) Then I proceeded further to try to establish an account of which I really do n't know if I did but there system said I already had????????? But then the following day it said the same that I already had a established account, and I needed to put in the username and password of which I thought I did and there system said it was incorrect.
4 ) Also if correct as I understood that I had already signed up for some kind of monthly service contract of which I am totally unaware of doing. On the internet there is no way I could access anything through there site.
5 ) I did find a phone number to try to call them and after a couple hours of trying numerous times of which their system walks you through about 10 minutes of XXXX to try to talk to someone. Then no one does pick up the phone on their end, and you are put on endless relentless hold.
6 ) All of above took almost all afternoon Monday XXXX. So frustrated I just had to walk away from it for the day. 
THE FOLLOWING DAY Tuesday XXXX XXXX ) Trying to access on internet the same as above same problems and their site insisted that I sign up and pay for a subscription fee of some type of which I never agreed to.
2 ) So back at the phone again same XXXX as the day before -- - then not answering phone being put on relentless hold : 3 ) Finally after several hours of going through their circus of being run around a person by the name of XXXX picked up the phone @ XXXX XXXX. He was hard to hear, could n't speak good English, and I told him what the situation was so then he tried to hook me over to another department then they never did pick up the phone after being put on hold for about 1/2 hour. So I hung up.
4 ) Trying all afternoon relentlessly phone call after phone call being put on hold, no one time and time again picking up the phone. An in fact I felt after relentless tries TransUnion blocked me from calling in, as some kind of message came up saying I was dialing something or etc. incorrect of which I was n't as I was dialing the same number as prior when I was put on relentless hold.
5 ) So finally after trying relentlessly all afternoon at XXXX XXXX a XXXX answered the phone. She again could not speak with a good phone connection and spoke broken unclear English. I was finally able to make some kind of sense with this gal. and file a dispute with her about a single item in their credit file of me. ( which will be outlined ) below. She gave me the address to file and mail with TransUnion@XXXX XXXX. XXXX XXXX XXXX, PA XXXX the file confirmation number IS : XXXX. This phone call with her lasted about 45 minutes which is totally stupid. She told me that I would be getting a confirmation from TransUnion via my email.
6 ) Well guess what this morning I do get an email from TransUnion which did not confirm or acknowledge of me filling a dispute BUT a solicitation to purchase one of their services. FOLLOWING PASTED FROM THAT EMAIL! 

XXXX, do n't miss out on your monitoring! 

It only takes a few minutes to complete your TransUnion Credit Monitoring order. But once you do, you 'll enjoy month after month of easy credit management, powerful credit protection & quick credit mastery all at a great low price.
SHOW ME WHERE TO ORDER NOW!
7 ) And no where in that email is a link to check of the filing and followup of the dispute which was filed with XXXX @ XXXX XXXX yesterday via phone # XXXX. 

From what I see @ Website cfpb I see that I am entitled to a free complete file for free, Once per year and being fact that I am on partial public assistance. And they are relentlessly trying to solicit me to join and pay. I 'am sure that if I click on the link that as yesterday I will not be able to access anything other then them trying to get me to pay for some kind of fees etc. 

SO MY COMPLAINT WITH TRANSUNION!
1 ) Absolutely lousy service!
a ) not answering phone b ) being put on relentless hold then phone never answered c ) Employment of person 's that have lousy phone connections d ) Hiring of non affluent speaking English employees because they are cheaper then real Americans.
e ) Opinion of their attitude : Hire cheap, lousy service, lousy phone connections, no appropriate followup, as the public are all bad and we are going to teach them right. 
f ) I am sure that for followup in regards to my filing of dispute they will give lousy service as all of the above as WHY SHOULD THEY DO OTHERWISE?????????? 
g ) They have a license to do what ever they want with no accountability to anyone. 
h ) After all all they have to do is NOTHING and pretend they are wonderful and the $ $ $ $ $ $ $ $ $ keep rolling in!!!!!!!!
Pasted from TransUnion site : We are experiencing technical difficulties.
You Already Have an Account What happened : According to the information you provided, it appears that you already have an account with TransUnion.
Well if I have an account I CA N'T ACCESS IT!!!!!! SO WHAT IS POINT OF HAVING ONE????????? 

DISPUTED ITEM ON CREDIT FILE XXXX Act. # XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX Opened XXXX Reported Open Condition {$170.00} Balance I have not had an XXXX XXXX XXXX XXXX phone for around 5 plus years. When that account was paid and closed in full five years  or so ago. It was discussed with XXXX XXXX XXXX employee what the balance was. The balance as told to me was paid in full and written on the Check " PAID IN FULL '' So again a big company not giving good service and followup. 

In fact the file shows this was opened in XXXX which is in total error. as I have had a XXXX phone for about 5 years or so. 

Another example of how big companies bully and intimidate clients. 

If I call XXXX they pick up the phone on their end within at most a minute, they speak good English, good phone connection, if their bill is in error they will happily make a correction, and their is no goofiness about them. 

Filed XXXX This is totally ridiculous that I have spent in excess of two days trying to resolve all when they could have had it done in about 20 minutes with good service.
But : As consumers our time is worthless and of no value?????????

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