Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Evidently, TransUnion assigned XXXX XXXX XXXX at XXXX to " handle '' my CFPB complaint regarding their failure ( and willful ) to place a security freeze on my credit report per my request and provide me with the PIN to lift it as needed. I received notification from XXXX XXXX XXXX XXXX dated XXXX/XXXX/2015 that there was a security freeze on my TransUnion report, and for that reason and denied access to view my report, credit was declined. The letter is attached herewith. I have exceeded due diligence in this and every complaint that I have filed against TransUnion. They clearly have no intention whatsoever to conduct themselves in full accordance with the Federal and all other applicable law. Clearly, their conduct is retaliatory because I have filed complaints for their innumerable willful torts. They have also shared my information with XXXX XXXX without my permission. I advised XXXX XXXX that I would notify them when I was ready for them to access my credit report. When calling today to give XXXX XXXX an undeserved opportunity to " explain themselves '' yet and again, all she could " advise '' was that the freeze was lifted until XXXX XXXX, 2015 and that XXXX XXXX accessed my credit report on XXXX XXXX, 2015. She also " advised '' that the letter from XXXX that I submitted which states that they apologize for the lack of resolve per my billing dispute and seek now to resolve the issues was " unacceptable '' to substantiate deletion of the purported delinquent debt to XXXX XXXX. It appears that the XXXX is clearly an ineffective legislation if neither TransUnion nor XXXX XXXX believe they have to follow it. It 's quite straightforward, and commonsensically so. Hypothetically, if I 'm a creditor and I receive a billing dispute from one of consumers ... and they make a payment for the full current balance in good faith that I will conduct a proper investigation into my billing dispute and make the necessary credits, it is highly illogical and absurd even for me as the creditor to report delinquency to that consumer 's credit. Moreover, if I never acknowledge the dispute properly and I just have one of my customer agents pacify the consumer and tell them that " we are processing your billing dispute '' but never receive any documentation confirming the same, and that consumer electively decides to discontinue their service with me because I have failed to carry out ethical and lawful business practices concerning billing and charges, I can not lawfully retaliate against this consumer by reporting delinquency to their credit report. This is kindergarten logic. It is not high level. I know that CFPB has privy to further escalate matters that are being improperly handled by the tortfeasor credit bureaus and step in to " protect '' consumers. I 'm eager to see what will be the nest step. Also, it must be noted that the tortuous conduct by TransUnion and XXXX XXXX is willful, gross and malicious at this juncture - you see, XXXX XXXX is well aware that I 'm searching for apartments and need the freeze lift. The fact that the lift still has not been processed is colloquially rude and professionally and lawfully egregious. The Federal government " lets '' these agencies get away with " murder '' and it must end.