Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
As previous complaints have maintained, you have failed the email me a credit report. 2. you have not provided evidence whether a credit report exists. 3. You are in violation of the specific clauses of the FCRA and 15 USC. 4. The FTC Act and the Dodd-Frank Act and continue to prohibitively use unfair or deceptive acts and practices based on the three part test, all of which you have failed to comply with in that XXXX. XXXX is a territory under XXXX Jurisdiction and not a foreign country, 2. I provided proof of my US citizenship and SSN, my address in said foreign country with my bank of XXXX statement, explicitly stated the purpose for being in said foreign country and that my life was at risk, your report could have saved me thousands of dollars in local currency 3. my reason for being here a. charity work helping the poor b. academic work making the injury you caused unavoidable for me as the consumer and failing to provide a remedy that I can access 4. the injury caused has been prejudicial meaning it affects both any countervailing benefits and competition. A. If no such US report exists in the US, notice that no such report exists in the US should be emailed to me. B. If such a report exists in the US I have not been given access to it since XXXX when I paid off my school debt, consumer and other debts. 

I ask the CFPB to Investigate this complaint on the basis of denial of FCRA rights, denial of access to credit reporting, denial of the ability of a US citizen to open a US bank account on non existent and non provided information, despite multiple requests, there is no document given to dispute, so how can I know if there are inaccuracies or it simply doesnt exist? and to register that because the statute of limitations for any possible debt has also passed and anything subsequent to XXXX should be deleted from the report, if it exists, and I should be notified by emailing me a credit report because anytjing beyond XXXX would represent identity theft and no fault of my own based on either the XXXX government database breach with my FEMA information XXXX or the XXXX Equifax breach which I am party to, or the more recent suspected breach of the USDA XXXX XXXX by a hostile foreign entity. 

In each step of this process, I have complied with the requests of Transunion, Equifax and Experian for data. Each complaint has not been met with reasonable access for an American citizen stranded abroad. I served our civil service out of love of country and when I do charity work did it is out of care for the most vulnerable. In each response from each agency the basic premise of FCRA as you can see in prior comlaints has either been side stepped, obscure language used or inaccessible numbers and websites that I can not access abroad were provided and you again can see that in previous claims. Should these credit unions need additional data I am happy to provide it here but please, 1. make it clear what you need, 2. provide me accurate and timely information 3. provide me a way to access you abroad and without XXXX or XXXX numbers which you may or may not know can not be accessed abroad. 4. provide a credit report or lack of a credit report by email please, 5. do not confuse me with my father XXXX XXXX XXXX who XXXX in XXXX as you a free to look up in the XXXX XXXX XXXX XXXX XXXX wrote for him.

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