Consumer complaint received 2024-10-17 00:00:00
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.
State: AK

Complaint narrative:
I am submitting this complaint due to TransUnions refusal to grant me access to my credit report and the ability to file disputes online, despite providing all necessary documentation. 

TransUnion has cited an address mismatch as the reason for denying me access. They have requested that I mail in my documentation, including my drivers license, Social Security card, and utility bill, which I have already provided electronically. As a XXXX individual, physically mailing these documents is a significant hardship for me, and I should not be required to take this additional step when I have already provided sufficient proof of my identity. 

Key Points : Address Verification Issue : Despite submitting valid identification ( drivers license, Social Security card, and utility bill ), TransUnion continues to deny me access to my credit report, citing an address mismatch. 
Mail-In Requirement : TransUnion has requested that I mail in these documents, which is a significant burden for me as I am XXXX and unable to easily comply with this request. 
Blocked Dispute Rights : I am unable to file disputes online, which is a violation of my rights under several consumer protection laws. 

Relevant Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my credit report ( 15 U.S.C. 1681i ). Their refusal to accept my valid documentation electronically and forcing me to mail in documents is unreasonable and contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : By requiring me to mail in documents when I have already provided sufficient proof electronically, TransUnion may be engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), in violation of 12 U.S.C. 5531.

3. Federal Trade Commission Act ( FTC Act ) : TransUnions actions may be classified as unfair or deceptive practices under the FTC Act ( 15 U.S.C. 45 ), as they are unjustly denying my legal right to access and dispute errors on my credit report.

4. Dodd-Frank Wall Street Reform and Consumer Protection Act : Their refusal to accept electronic documentation may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ), which
protect consumers from unreasonable practices in the financial industry.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but denying me access despite receiving valid electronic documentation, they may be in violation of the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute inaccuracies, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by preventing me from fully managing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).

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 non-monetary relief