Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
My credit file isn't being shared at all. Not to me or anyone else. when I tried to look up my credit file it returned as blank. I called XXXX in XXXX of XXXX, XXXX requested that I send them a copy of my ID & social security card. I did that, yet the problem wasn't resolved. The second time I contacted them was in XXXX of XXXX they requested me to send them a letter with my ID. I did that and again nothing was resolved. The third time I contacted them I was asked to send them another request, a copy of my ID and social again ( which is a FEDERAL LAW ). The agent then told me that I have an Internal Block on my credit file that I may not be aware of. This is creating havoc in my life. I'm unable to handle the necessary business I need to conduct because of this problem. It violates my rights on so many levels. 

Someone from XXXX office told me they have me on some internal block which they're claiming they can use to block my accounts because they feel they're above the law. When questioned why would they do this without contacting me or telling me. They're claiming they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they didn't tell me and why my other letters weren't enough to remove the internal block because some of the agents may not have known I had one on there because it requires you to go to another screen and could have handled my letter as if I was asking to have a freeze or fraud alert removed ( even though I didn't have one that needed removal ) .So XXXX  feels they're above the letter of the law & will not explain their policy... Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXXection 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ),

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