Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a formal complaint against TransUnion for denying me access to my credit profile, despite being a victim of identity theft, and for engaging in discriminatory practices against me as a XXXX individual. 

# # # **Summary of the Issue : ** 1. **Denial of Online Access : ** Due to my disability, I rely heavily on online access to my TransUnion account to manage my credit report and dispute inaccurate information. As a victim of identity theft, I have been unjustly denied online access to my account, which is essential for my ability to monitor and protect my credit. 

2. **Inadequate Phone Support : ** Since Monday evening, I have repeatedly attempted to access my credit profile via phone, but TransUnion representatives have refused service, disconnected calls, placed me on extensive holds without returning, and denied me the ability to raise disputes over the phone. This includes an interaction with a manager named XXXX, who assured me that the fraudulent information had been removed and provided a reference number of XXXX. Despite this assurance, the fraudulent information remains on my credit report. 

XXXX. XXXX Inquiries and Accounts : ** I have been battling fraudulent inquiries and an account associated with XXXX XXXX XXXX. These were supposed to be removed based on my FTC Identity Theft Report, which was submitted directly to TransUnion, as well as through the CFPB, XXXX  California Attorney Generals office, and the Department of Financial Protection and Innovation ( DFPI ). However, I received a confirmation letter from TransUnion ( File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX falsely stating that the FTC Identity Theft Report I submitted was not an official copy. This is incorrect, as the documents were directly submitted to TransUnion and other regulatory agencies. 

4. **Violation of Consumer Rights, Civil Rights, and ADA : ** XXXX refusal to accommodate my XXXX by denying me access to my credit profile and the ability to dispute inaccurate information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), California Consumer Privacy Act ( CCPA ), and Americans with Disabilities Act ( ADA ). The repeated refusal of service, disconnection of calls, and discriminatory practices have caused me significant hardship, exacerbating the challenges I face as a blind individual.

# # # **Relevant Laws : ** 1. **Fair Credit Reporting Act ( FCRA ) : ** The FCRA grants consumers the right to access and dispute information on their credit reports. TransUnion 's refusal to provide me with access to my credit profile and its failure to remove fraudulent inquiries and accounts, despite receipt of my FTC Identity Theft Report, violate my rights under this federal law. 

2. **California Consumer Privacy Act ( CCPA ) : ** The CCPA protects my rights as a California resident to access and correct my personal information. TransUnion 's actions are in direct violation of these state protections.

3. **Americans with Disabilities Act ( ADA ) : ** The ADA prohibits discrimination against individuals with disabilities. By refusing to provide reasonable accommodations and denying me access to my credit profile, TransUnion has violated my rights under the ADA.

Attached are copies of FTC identity theft report state issued California ID US passport Dispute letter, and letter issued from Trans Union