Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against TransUnion and other credit bureaus, as well as the listed lenders, due to significant inaccuracies on my credit report, their failure to properly investigate disputes, and their disregard for legitimate fraud claims and FTC reports. Below is a detailed explanation of what happened : 1. Denied Access to My Credit Report On multiple occasions, I attempted to access my credit report from TransUnion, which I am entitled to receive every 24 hours. However, TransUnion refused to provide me with an updated report, only allowing access to the same report available prior to a dispute. Additionally, I was unable to access my report through AnnualCreditReport.com, even though platforms like XXXX XXXX provide up-to-date reports. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which guarantees consumers access to their credit reports. 

2. Unauthorized Unfreeze of My Credit File TransUnion unfroze my account without notifying me, allowing unauthorized parties to pull my credit report while simultaneously restricting my own access. This deceptive and unauthorized action violates FCRA protections and undermines consumer trust. 

3. Fraudulent and Inaccurate Reporting Several accounts on my credit report contain significant inaccuracies or fraudulent information that remain unresolved despite my disputes. Below are specific examples : XXXX XXXX ( XXXX ) : This account reflects a " Paid as Agreed '' status because I made one payment under duress after being harassed and threatened with legal action by XXXX. I made this payment solely to avoid further harm to my credit or legal consequences, not as an acknowledgment of liability or ownership of the account. This payment should not validate the account as mine. ( A CFPB complaint was already filed on them ) - XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This account is marked as a " Charge Off, '' yet it continues to report monthly delinquencies ( " late '' statuses ) even after being closed. Charged-off accounts should not continue accruing late payment statuses, as this practice is both inaccurate and harmful. 

- XXXX XXXX - XXXX XXXX ( XXXX ) : This account shows one payment made two months after my XXXX XXXX XXXXXXXX account ( XXXX ) was closed due to fraud. However, it lacks any payment history prior to XX/XX/XXXX despite being opened on XX/XX/XXXX. The missing historical data raises questions about its accuracy. 

- XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ) : These accounts show ongoing charge-off statuses but lack complete payment histories or provide conflicting information about payments made or scheduled. 

4. Missing Payment Histories and Accounts with No Payments The majority of disputed accounts lack any recorded payment history or show no payments at all. For example : - Many accounts only display payments that were scheduled but never actually made.

- Several accounts reflect no payments ever being made yet continue reporting delinquencies or charge-offs inaccurately. 
- Some accounts fail to provide historical data prior to XXXX despite being opened much earlier. 

This lack of accurate payment history is misleading and violates the FCRAs requirement for maximum possible accuracy in consumer reporting. 

5. Incomplete and Inconsistent Data Many disputed accounts show inconsistencies or incomplete information : - Several accounts only display data from recent years ( e.g., XXXX onward ) despite being opened much earlier. 
- Closed accounts continue to be reported as " late, '' which is both inaccurate and retaliatory in nature. 
- Some accounts reflect balances or statuses that do not align with their reported payment histories ( e.g., XXXX XXXX ). 

6. Failure to Properly Investigate Disputes Despite filing legitimate FTC reports and multiple CFPB complaints, these issues remain unresolved. The credit bureaus have failed to provide sufficient evidence or documentation verifying the accuracy of disputed accounts. For example : - Accounts flagged as fraudulent ( e.g., XXXX XXXX and XXXX XXXX ) were verified without proper investigation. 
- There is no documentation from creditors substantiating their claims that these accounts are valid. 

7. Retaliatory Reporting Practices Some closed or charged-off accounts continue reporting as delinquent ( " late '' ), which appears punitive rather than accurate reporting. This practice unnecessarily harms my credit score and violates FCRA requirements for maximum possible accuracy in consumer reporting.

8. Supporting Evidence I have attached supporting documents that highlight these violations, including : - Dispute results showing ongoing inaccuracies.

- Examples of incomplete payment histories and inconsistent data. 
- Documentation of harassment by XXXX XXXX leading to a coerced payment. 

Conclusion The actions of TransUnion and other credit bureaus represent clear violations of the FCRA, including : 1

. Denying me access to my credit report. 2. Failing to properly investigate disputes or address legitimate fraud claims. 3. Allowing unauthorized unfreezing of my credit file without notification. 4. Reporting inaccurate, incomplete, and retaliatory information on disputed accounts. 5. Failing to include accurate payment histories for most disputed accounts. 

These practices have caused significant harm by damaging my credit score, undermining my ability to resolve fraudulent activity on my report, and creating unnecessary financial stress. I respectfully request that the CFPB take action to ensure these violations are addressed promptly and that TransUnion complies with its legal obligations under the FCRA.

( Lastly, this report includes a phone recording with a Transunion Customer Service Representative. It was recorded with the XXXX 's built in call recording system which forces the 2 party consent rule. This is a legal audio recording, where the Transunion CSR, confirms I can't access my credit report. Which is a violation of the FCRA. If there is any suspicion on if this call is legal, it can be provided. It is physically impossible to record a call on the XXXX without 2 party notification. This was given as a loud beep, with an anouncement of " this call is being recorded. '' The first 6 minutes is me trying to get to an agent, already being upset, triggered some anger. Which I believe, is understandable. In addition, this call took place prior to finding out my Transunion file was unfrozen without notification. ) Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief