Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im reaching out on behalf of myself as a survivor of human trafficking who is doing everything I can to move forward with my life. Recently, I submitted documentation through TransUnions trafficking portal to request the removal of items from my credit report that are directly tied to the time I was being trafficked. Unfortunately, Im having trouble getting any resolution, and now Ive lost access to the portal completely. 

Heres what I submitted and I did this twice, between XX/XX/XXXX, XXXX XXXX, 2025. 
A letter asking for specific items to be removed A full list of the accounts that I believe are connected to the time I was trafficked A copy of my government-issued ID A self-attestation letter signed by my DHS caseworker, confirming my status as a trafficking survivor TransUnion is now saying they didnt receive the victim determination letter. But I know they did, because my caseworker has been receiving email updates from them and the only place where her name or contact information is listed is on that same letter. That means they must have received it, otherwise they wouldnt have her info. This has been really confusing and upsetting. 

To make things worse, I no longer have access to the online portal, so XXXX cant log in to follow up, re-upload documents, or even see whats going on with my case. I feel completely locked out, and like my voice is being ignored. Ive done everything that was asked of me, and now I dont know what else to do.

Ive been homeless, and Im trying so hard to get back on my feet to find housing, apply for help, live a normal life, and heal from what I went through. These credit items that I didnt even know existed until recently are making it so hard to do that. I didnt understand credit or how any of this worked while I was being trafficked. Now that I do, Im trying my best to fix it but I feel like Im being punished again for something that wasnt my fault in the first place.

Im not asking for anything extra. I just want the protection the law gives to people like me a chance to clear my name and start fresh.

Im hoping for : For TransUnion to confirm they received everything, especially the victim determination letter signed by my caseworker To get access back to my portal or some way to check the status of my case For the items I listed to be removed from my credit report as quickly as possible so I can move forward For someone to look into why my documents may not have been properly reviewed, despite being submitted twice Ive attached the same documents I submitted to TransUnion : My request and list of accounts A copy of my ID The signed self-attestation letter from my DHS caseworker When I sent them to TransUnion the 2nd time, I made sure they were in 1 document. TransUnion says they can see everything but the letter so I will also upload a separate copy of each document here, as well as the exact document that was sent to TransUnion.

Thank you for listening and taking the time to read my story. Its hard enough trying to heal from what happened to me I just want a chance to rebuild.

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