Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, 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.

Complaint:
On XX/XX/2022, I called and requested that TransUnion send me a copy of my Consumer file. I was notified by XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. 
After placing me on hold, XXXX informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. 

On XX/XX/2022, I received a letter from TransUnion that contained a copy of my most recent Consumer Report, which is clearly not what I requested. 

On XX/XX/2022, I contacted TransUnion once again, to request my credit file. 
I spoke with XXXX who advised me that they aren't able to send me a copy of my credit file, only the Consumer report. I asked to speak with a Supervisor, and was transferred to an Supervisor by the name of XXXX who said they can not send anything except for Consumer Report. I again explain the difference between a file and report, according to Federal Law. 
She then transferred me to a Supervisorby the name of XXXX in Special Handling that advised that TransUnion can send me a copy of the credit file but I would need to write a certain department to obtain that information. She did confirm that she knew the difference between a credit file and report, and she also advised that she was in fact able to see information not contained in my Consumer Report, but she didn't have the authority to send it to me. She put me on hold to get clarification from her Superior, which advised her that if I am requesting such information, I would need a subpoena to access " total history '' instead of " ultimate data ''. She then transferred me to her Superior ( XXXX XXXX who advised that the only thing they see on file is what I see in my Consumer report, and that no one at TransUnion could give me that information. She advised that I reach out to every Creditor individually, which was very unfair and dismissive at the very least. This is most certainly misinformation. 

15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and that it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors.

I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by TransUnion as soon as possible.

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