Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/2022 when I started my repairing my credit journey I froze all the third party reporting agencies that have been selling information to the credit reporting agencies like ( XXXX, XXXX, and Trans Union ) for year 's on consumers without their knowledge. I just found out about these companies recently and it's sickening the information that companies are selling on consumers to these vultures. " Excuse My Tone '', however being that I thought i had gotten these false information spreaders frozen. Here comes all these lil post cards in the mail about fraud alerts and extended fraud alert 's being added to my consumer credit report. I wasn't sure what that ment until applying at XXXX XXXX XXXX XXXX and was denied credit on the basis of HIGH RISK OF FRAUD, the same information the agent on the phone stated to me that was associated with my consumer report. The agent " XXXX '' also told me that I could not get the fraud alert removed. She kept going on about since i filed a report of fraud that has to remain on their to let creditors know that fraud could happen if they open an account. This is just CRAZY, how in the XXXX will I ever be able to live the American Dream of being a Home owner if these people are literally pegging my consumer report as a report strictly looking to defraud. I have worked have to rebuild my Credit and these credit reporting agencies are doing all they can to fill their bank accounts and rob me of my Dream. ( XXXX, XXXX, and TRANSUNION ) are not following any laws when it comes to consumer 's and it's not just them breaking the law it's the companies that is selling them information without consumers knowledge and they all need to be held accountable. I never asked no Third part company to issue any fraud alert across multiple channels such as what's happened here. I never gave my permission to get have no fraud alerts put on my credit report 's and I never told them to put no extended fraud alert on my credit reports and i want them removed. I filed the FTC report because I was informed to do that by a Trans Union Representative and just as I was told to file another FTC report to have the Inquires removed from my credit report I didn't authorize by a TRANSUNION Rep. I'm not filling out no report 's because these people are selling information and wan na make me look like Im filing false reports to get things deleted. I just want to fix what's wrong on my credit and go on with my life. These credit reporting agencies are playing with my life and my future. XXXX XXXX isn't listing any open account 's with positive information on my credit report 's it's all stagnant. XXXX did take all the inquiries off that were showing up falsely obtained and I didn't get one point added to my score nor has my score dropped or moved since filing these disputes. It's clear when you file disputes with the CFPB ot the FTC these companies will play XXXX XXXX with your consumer credit report 's and this is just out right sickening.

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