Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : XXXX XXXX XXXX TransUnion Credit Monitoring Online Monthly Paid Account Subscription, as of XX/XX/2020 Does Not Generate any TransUnion Current Credit Reports I, XXXX XXXX XXXX ( the Complainant ) had attempted on three ( 3 ) occasions to resolved, my TransUnion Interactive Inc. ( TUI ), a subsidiary of TransUnion Inc., ( TransUnion ) online Credit Monitoring account that is link to my TransUnion Credit file number, XXXX account. As, a [ n ] XXXX XXXX and, end user of TUI online Credit Monitoring product and services monthly online subscriber, the Complainant have experienced constant deficiencies with her online TUI web application : container based microservice oriented architectures, distributed performances in her cloud-based monthly subscription, monitoring and troubleshooting complex production programmatic system and, to research and discover technical solutions. 

In order to resolve her monthly paid subscriptions that does not generates any TransUnion credit reports since XX/XX/2020. After, the Complainants TUI credit file number, XXXX accounts credit score was reduced to XXXX  ( XXXX  ) because she has a nonexistence of any debtholder credits history activities which is, link to her online TUIs Credit Monitoring account environment. The Complainant can not generate any TUI paid subscription Credit Monitoring, TransUnion credit reports since XX/XX/2020, as she is bound in accordance to TUIs Acceptance of their Terms and Conditions agreement in which, the Complainant may access her TransUnion Credit Monitoring product and services through TUI paid web application subscription product that TUI has failed in material breach to perform TransUnion contractual duties, as a subsidiary of TransUnion in order to generate the Complainant subscribed paid monthly Credit Monitoring, TransUnion credit reports product and services which is, deducted automatically from her debit card for {$19.00} per month, in accordance to Title 15 U.S.C. 1681 ( relating to the Fair Credit Reporting Act ). ( See Exhibit A ). 

After, the Complainant had logged into her online TUIs Credit Monitoring account on XX/XX/2020, in order to generate her XX/XX/2020, TransUnion credit report and score from her static Dashboard webpage within the Membership Center section then she had clicked onto the Refresh Now button ( see exhibit B ) then the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage had opened up ( see exhibit C ) then the Complainant click onto the checkbox for I Agree and Confirm to the Permission Statement and Confirmation agreement then she had clicked onto the Continue button. In which, the initial load of the webpage time is idle continuously until the Complainant decided to click onto the X button, located in the top right corner which should have unloaded her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage. And, the time is idle initial load happens when the Software Developer written programs had successfully created a debug that targets and starts the debugger written programs ; however, the debugger does not stop at a breaking point causing the Complainants Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage to idle in time continuously upon her clicking onto the Continue button. This means, the TUIs Integrated Development Environment ( IDE ) is probably lacking debugging information or knowledge of where their sources are in troubleshooting TransUnion written XXXX XXXX   or XXXX XXXX programs. 
After, the Complainant few attempts stated above in order to generate her XX/XX/2020, TUI monthly paid subscription Credit Monitoring, TransUnion credit and score from her static Dashboard webpage, she had received an error message ( see exhibit D ), as stated : We are sorry, but we are unable to fulfill your request at this time. What to do now : If the problem persists, please contact our Customer Service Team for assistance. 

Afterwards, the Complainant had read her error message from the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage stated above then she had immediately decided to call the TUIs telephone customer services representative and she was connected to XXXX, the TUIs customer services representative who had attempted to troubleshoot and investigate into why her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage did not generate any current month TransUnion paid credit report, since XX/XX/2020. And, the Complainant had explained to XXXX, the TUIs customer services representative when she had clicked onto the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button is always idle in time continuously without breaking. However, XXXX, the TUIs customer services representative did discovered from his backend online investigation in which, he had revealed to the Complainant that she has numerous of TransUnion credit files accounts besides her main TransUnion credit file number, XXXX  account. And, XXXX, the TUIs customer services representative told the Complainant, he will escalate her numerous TransUnions consumer credit files accounts problems with a TransUnion request ticket order. In which, XXXX, the TUIs customer services representative never provided the Complainant with a TransUnion request ticket order number that XXXX, the TUIs customer services representative had claimed from his investigation, the Complainants online TUIs Credit Monitoring account environment problems are most lightly link or connect to another TransUnions consumer credit file account with the same full legal name, XXXX XXXX XXXX, as the Complainant. The Complainant replied, how is this possible for another TransUnions consumer to share her full legal name, XXXX XXXX XXXX when her name is rare? XXXX, the TUIs customer services representative replied, these others TransUnions consumers credit files accounts are blocking the Complainant from generating a current TUI Credit Monitoring, TransUnion paid credit report and, XXXX, the TUIs customer services representative told the Complainant to call back next week on XX/XX/2020. In order to give them time to look into these TransUnions consumers numerous credit files accounts which are, link or connect to her full legal name, XXXX XXXX XXXX. 

On XX/XX/2020, the Complainant had call the TUIs telephone customer services representative a second ( 2nd ) time in regards to her TUI online Credit Monitoring product and services monthly online subscription in which, she was still unable to generate a XX/XX/2020, Credit Monitoring, TransUnion credit report and, she was connected to XXXX, the TUIs customer services representative who could not assists her towards why her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage did not generate any current Credit Monitoring, TransUnion paid credit report. After, the Complainant had clicked onto the Continue button and, XXXX, the TUIs customer services representative could not assist her any further in his investigations towards why the Complainant could not generate any XX/XX/2020, Credit Monitoring, TransUnion credit report and, XXXX the TUIs customer services representative had transferred her call to the TransUnions telephone customer services representative. And, XXXX, the TransUnions customer services representative could not assist the Complainant towards the reasons why her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button is always idle in time from TUI online initial load webpage then XXXX told the Complainant, he will transfer, her call to the TransUnions United States Special Handle Department ( US Special Handle Dept ) telephone customer services representative. 

And, the Complainant was transferred to XXXX, the TransUnions customer services representative who had basically told the Complainant the very same explanations, as XXXX, the TUIs customer services representative stated herein. In his investigations towards why the Complainants TransUnion credit file number, XXXX  account which are, associated to numerous of other TransUnion consumer credit files accounts, as a result are linked or connected to the Complainant full legal name, XXXX XXXX XXXX and [ or ] Personal Identifiable Information ( PII ) then XXXX, the TransUnion customer services representative stated to the Complainant that she will escalate a call back request. In order for a TUIs Issue Support Representative to reach out to her in the next forty-eight ( 48 ) hours. 

On XX/XX/2020, the Complainant did receive an email from XXXX the TUIs Issue Support Representative in regards to XXXX, the TUI Issue Support Representative attempted to call the Complainant and, XXXX, the TUIs Issue Support Representative was unable to leave a voicemail message because the Complainant voicemail inbox was full. ( See Exhibit E ). 

On XX/XX/2020, the Complainant had read XXXX, the TUI Issue Support Representative email. And, after, the Complainant had read XXXX, the TUIs Issue Support Representative email then the Complainant attempted to call XXXX, the TUIs Issue Support Representative who was unable to speak with the Complainant directly because the Complainant call attempts went directly into XXXX, the TUIs Issue Support Representative phone voicemail inbox and, the Complainant left XXXX, the TUIs Issue Support Representative a phone voicemail message to return her call at her earliest convenience. A few hours later, XXXX, the TUIs Issue Support Representative call the Complainant and, the Complainant and XXXX, the TUIs Issue Support Representative both are now connected in communications with one another in regard to why the Complainants TUI Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage does not generate a current month TransUnion paid subscription credit report. After, the Complainant had clicked onto the Continue button which should have been loaded into the next webpage due from the time is idle initial webpage load problems in the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage. And, XXXX, the TUIs Issue Support Representative had revealed to the Complainant that her social security number ( SSN ) is missing from her Transunion credit file number, XXXX account data field which is, perhaps suspected in the causations for the Complainant unable to generate any current Credit Monitoring, TransUnion paid credit reports subscription since XX/XX/2020. And, the Complainant replied, how is this possible from the FCRA in a legality sense of references that her Transunion credit file number, XXXX account in which, her TransUnion credit file number, XXXX account has been established for decades, as a consumer of TransUnion is suddenly missing the Complainants SSN from her TransUnion master data field makes no logical sense whatsoever? The Complainant asked, XXXX, the TUIs Issue Support Representative than why is her SSN missing from her TransUnions master data field? Which only means, anyone person could potentially use the Complainants TransUnion credit file number, XXXX account ; in order to generate a TransUnion credit report, as a [ n ] public domain or open source template at will to whosoever, in need of a TransUnion credit reports using the Complainants TransUnion credit file number, XXXX account, unlawfully? XXXX, the TUIs Issue Support Representative had responded, in which, XXXX did not know how the Complainants SSN was deleted from TransUnions master data field then XXXX had told the Complainant to wait a day or two ( 2 ) before trying to run her TransUnion Credit Monitoring monthly paid TransUnion credit report subscription, again. The Complainant replied, she will try to run her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button again to see, if she will still have any problems with the time is idle initial webpage load on XX/XX/2020 ( Monday ) that generate her current TransUnion paid credit report product subscription. And, XXXX, the TUIs Issue Support Representative replied, to the Complainant to call her back, if the Complainant could not generate a current TransUnion paid credit report then the Complainants telephone call with XXXX, the TUIs Issue Support Representative had ended, in telephone conversation with each other. 

On XX/XX/2020, the Complainant had attempted to generate her XX/XX/2020, paid Credit Monitoring TransUnion credit report product subscription online and she had received the same error message, as stated herein. The Complainant believe her attempts, as a paid monthly Credit Monitoring subscriber consumer was not professionally resolved from TUI and TransUnion customer services representatives in an effective and time efficient arbitration manner. And, during this time of references stated herein, TUI and TransUnions customer services representatives knowingly and willfully knew he or she should have escalated the Complainant calls with a ticket requests and, forwarded their ticket requests to the TransUnion IT Technical Support or Assistance department in regards to their reasons why the Complainant Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button is always idle in time from the initial load webpage. 

Furthermore, TransUnion is Federally mandated in accordance to the FCRA in which, TransUnion has caused from the Complainant legal viewpoint a FCRA violations and problems with her TransUnion credit file number, XXXX  account which are, associated to numerous of other TransUnion consumers credit files accounts are in violations of Title 15 U.S.C. 1681 ( relating to the Fair Credit Reporting Act ). And, these TransUnions consumers who [ m ] are unknown or Fictitious Name Person [ s ] ( DOE ET AL ) to the Complainant had unlawfully changed his or her legal full name to the Complainant legal full name, XXXX XXXX XXXX with a malice aforethought in premeditated criminal intents to match, link, connect, alter, access, hack, manipulate and [ or ] split against the Complainants Transunion credit file number, XXXX  account, as belonging to DOE ET AL credit file number, XXXX  account. After, DOE ET AL had unlawfully changed his or her full legal name in order to match against the Complainant full legal name, XXXX XXXX XXXX then DOE ET AL had sent to TransUnion two ( 2 ) require validated documents, as proofs or evidences such as : 1. Valid Drivers License 2. Social Security Card 3. Pay Stub 4. W2 Form 5. 1099 Form 6. Court Documents for Legal Name Change 7. Birth Certificate 8. Passport 9. Marriage Certificate 10. Divorce Decree 11. State Identification Card 12. Military Identification 13. Utility Bill with the Correct Address ( gas, water, cable, residential phone bill ) 14. Cell Phone Bill 15.  Rental Lease Agreement / House Deed 16. Mortgage Statement or 17.  Bank Statement using the Complainant full legal name, XXXX XXXX XXXX and PII details, as substitution for DOE ET AL authentication features, as his or her proofs or evidences when TransUnions employee [ s ] knowingly and willfully knew DOE ET AL had two ( 2 ) validated documents requirements mailed from the United States Postal Service ( USPS ) that did not match the Complainants TransUnion PII details credit file number, XXXX account are in violations of the Complainants Civil and Human Rights. After, DOE ET AL had unlawfully changed his or her full legal name to the Complainant full legal name, XXXX XXXX XXXX had experienced extraordinary cruel and unusual excessive conspiratorial objectives in matching, linking, connecting, altering, accessing, hacking, manipulating and [ or ] splitting the Complainants TransUnion PII details credit file number, XXXX account, as belong to DOE ET ALs TransUnion PII details credit file number, XXXX account has forced, compelled and coerced the Complainants Transunion credit file number, XXXX account into Identity Thefts, Fraudulent Activities and Involuntary Servitude under : Title 18 U.S.C. 1028 ( relating to Fraud and Related Activity in Connection with Identification Documents, Authentication Features, and Information ) ; Title 18 U.S.C. 1341 ( relating to Frauds and Swindles ) ; Title 18 U.S.C. 1343 ( relating to Frauds by Wire, Radio or Telephone ) ; Title 18 U.S.C. 1346 ( relating to Scheme or Artifice to Defraud ) ; Title 18 U.S.C. 1349 ( Attempt and Conspiracy ) ; and Title 18 U.S.C. 1584 ( relating to Involuntary Servitude ). 

In which, DOE ET AL and TransUnion employee [ s ] knowingly and willfully participated into a said, Transunion credit file number, XXXX account conspiracies that does not matches the Complainants PII details are as follows : Name : Personal Identification Number : Personal Address Information : Personal Telephone Number Personal Characteristics Full Legal Name Social Security Number Residential Address Cellular Phone Photographic Images ( particularly of Face or other identifying characteristics ) Mother Maiden Name Passport Number Email Address Telephone No. Fingerprints Alias Drivers License Number Handwriting Taxpayers ID Number Patient Identification Number Financial Account Number Credit Card Number. 

And, TransUnions employee [ s ] had either allowed and created DOE ET ALs TransUnion credit file number XXXX account using or duplicating the same exact PII profile details, as the Complainants TransUnion credit file number XXXX account or, TransUnions employee [ s ] had allowed and used the Complainants TransUnion credit file number, XXXX account, as a [ n ] public domain or open source template by ways of deleting the Complainants SSN from her TransUnion credit file number, XXXX account data field then adding the DOE ET ALs SSN [ s ] to the Complainants TransUnion credit file number, XXXX account data field, as belonging to DOE ET AL TransUnion credit file number, XXXX account for the sole reasons of aiding and abetting and concealing DOE ET AL identity thefts criminal activities within TransUnion departments. 

Now, DOE ET AL can unlawfully generate a TransUnion Credit Report by ways of accessing the Complainants TransUnion credit file number, XXXX account using his or her own SSN which causes unlawful generated TransUnion credit reports. Which are, assigned to the Complainants TransUnion credit file number, XXXX account followed by a dash ( - ) next is the assigned three-digit numbers for each TransUnion credit report printed out and sent [ supposedly ] to the Complainant in sequential or consecutive numbers printed out orders are assigned a three ( 3 ) digit identification numbers unusual located at the top-left corner of the Complainants TransUnion two ( 2 ) cover letters received from TransUnion by ways of the USPS mailed delivery apparatus. So, each TransUnion credit report printed out in an order had generated, its own unique identification numbers. ( See Exhibit F and G ). 

This means, DOE ET AL had unlawfully and intentionally generated eighty ( 80 ) TransUnion credit reports in sequential or consecutive numbers printed out orders, as his or her TransUnion credit reports identification numbers using or associate with the Complainants TransUnion credit file number, XXXX account when the Complainant only requested two ( 2 )  TransUnion credit reports ( see exhibit F and G ) received by ways of USPS mailed delivery apparatus ( highlighted in red ) out of eighty ( 80 ) TransUnion Credit Reports ( highlighted in blue ) that were generated from TransUnions DOE ET AL consumers using or duplicating the Complainants TransUnion credit file number, XXXX account then TransUnion had mailed those credit reports by way of USPS delivery apparatus to DOE ET AL residential addresses, as shown all TransUnion identification numbers that were generated from XX/XX/2020 to XX/XX/2020 below : XXXX XXXX XXXX TransUnion Credit File Number : XXXX Account Generated Credit Reports Identification Numbers ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL **XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** Complainant ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX**XXXX Complainant. 

The Complainant had not requested, authorized, consented, waived her legal rights and [ or ] received by ways of USPS mailed delivery apparatus any of the eighty ( 80 ) TransUnion credit reports ( highlighted in blue ) generated from her TransUnion credit file Number, XXXX account. So, the Complainant question arises onto how and why eighty ( 80 ) TransUnion credit reports were generated from her TransUnion credit file number, XXXX account without the Complainant legal authorizations?

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