Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I rec 'd a declination letter from XXXX re. my request for an increase in my credit limit per the card I have with them. In that my payment history with them was pristine and that XXXX suggested that, if I wanted, I could get, from the reporting agency itself, a copy of the credit report and score that they drew upon to make the determination in rejecting my request, I then called that agency, ( Transunion ) and was given the 'opportunity ' to leave a voicemail and decided instead to go to the online website for the reporting company that XXXX had also included in the contact info for such agency. 
When I did, I saw various 'offers ' that were apparent attempts to misdirect me from getting my report and score for free.. I did not fall for those 'offers ' and instead navigated successfully to eventually get the credit report, but when I did, I saw that it was to be presented in XXXX parts, part XXXX being the report and part XXXX, the score, ( as the XXXX parts were shown as buttons prominently placed near the top of the page. After reviewing the report, ( with lots of errors evident in it of course ), I then clicked on the '' SCORE '' button and instead of being directed to my score, I was sent to a page that was a cleverly designed but nonetheless, obviously misdirective page that gave a couple of choices to actually get my credit score, but ... neither choice included getting the score for free. I struggled to make the site function in a manner to accord with the Fair Credit Reporting Act dictate per the providing, in my circumstance, a free score, but could not accomplish such. It is pretty clear to me that the site was designed to thwart attempts to gain a free copy of the scoreand frankly it is also pretty clear that this is a violation of the aforeref 'd to act. 
BTW : Not to sound defensive here, if anyone were to presume that I simply do n't know how to use the transunion site, I not only know how to navigate websites effectively/I am 'computer ' literate, I am the former XXXX for a search engine and the former XXXX of a XXXX XXXX company. The Transunion site I visited today was intentionally engineered to rip people, to deny people that under current law should be able to gain a free copy of their credit score. I copied the report page and the iterations of the page that XXXX gets when they click on the score button. Know also that I left a detailed message along with my phone number with your agency 's " XXXX '' group. 
The 'Attach documents ' feature below does not work for me, ( I tried several times in several ways, it does not work ), so though I am ready and willing to provide documentation to support my representations herein, I am hampered from doing so via the method given below. Therefore if I could be given an alternate approach for sending such documentation I would appreciate it. Otherwise, to the extent that it might actually be looked at and responded to, this missive will end up being nothing more than XXXX in the wind.