Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
On XX/XX/year> I called Transunion because I cant access my online account and havent been able to for at least 6-7 years. I was told theres an error code XXXX on my Transunion account preventing me from accessing it online. I was transferred to a supervisor who I was told could remove it. However, she told me she cant. She said its because I was a victim of identity theft years ago. When the system sees theres no risk it will unrestrict my account but nobody knows when. A human being can change that but they wont. Computer systems didnt create themselves! Someone can log in and remove the error code/restriction. I asked for the dispute letters for disputes Ive made over the phone that I never got results for. She pretended she was getting access to them but then said we cant resend the dispute results. So they have them but wont send them to me. The representative then told me saw a discrepancy on my credit report. I asked whats the discrepancy and can you mail me my report so I can see it? She said she has to send it to maintenance which will be 5 days and then I can get my credit report. She also said the discrepancy is something is wrong with my social security number. That had never been the case and isnt an issue with the other XXXX bureaus. Transunion has misreported things and now theyve created a problem with my social security number in their own system. I am entitled to a copy of my report when I request it. But she refused to mail me one to cover up what theyve done. She said I will have to call to lift the freeze or order my report. Thats what Ive done for so many years now and is a big inconvenience to me. Especially because sometimes when I call Transunion, they keep asking me about people that are not me and not connected to me. Making it hard for me to answer security questions for them to access my report and do what Im requesting be done such as temporarily lift the freeze. When they could remove the restrictions and allow me online access so I can see my report or lift the freeze when needed. Transunion has been a problem for me for years. I want access to the social security account I created online that has not had any fraudulent activity at all. Being a victim of identity theft was not my online account. It was personal identity that was stolen and used. I have a freeze on my account which helps protect my identity. Theres no need for restrictions and never was! Putting a freeze on your report used to have a PIN number attached. Transunion stopped using the pin option for consumers. So if that puts me at risk its their fault! What can be done about this? Ive been trying for years to get this fixed. I shouldnt have to get an attorney and take legal action for them to fix it. Although I may have to. Please help! They are liars!

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