Consumer complaint received 2025-07-08 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:
On XX/XX/year>, I identified multiple fraudulent accounts and hard credit inquiries that appeared on my TransUnion credit report without my knowledge or authorization. These included utility accounts, financing accounts, and auto-related inquiries. I did not initiate or authorize these accounts. 

That same day, I submitted a formal dispute to TransUnion, including : A valid FTC Identity Theft Report ( dated XX/XX/year> ) A copy of my government-issued ID Detailed dispute letters requesting permanent removal and blocking of the fraudulent items under the Fair Credit Reporting Act ( FCRA XXXX ) I am legally blind and informed TransUnion of my disability and requested accommodation in the form of phone updates and accessible communication, as navigating complex online systems and inaccessible PDF confirmations is a barrier for me. 

Despite complying with all requirements under the FCRA and ADA, TransUnion has failed to take action within the legally required timeframes. Specifically : Timeline & Violations : XX/XX/year> : First dispute sent to TransUnion via XXXX Certified Mail ( Tracking # XXXX ) XX/XX/year> : Delivered XX/XX/year> : I spoke with XXXX, Supervisor in the Special Handling Department, who falsely claimed : That my dispute was resolved That accounts were removed That confirmation would be sent ( none ever was ) XXXX provided false information and fabricated confirmation numbers. 
Subsequent agents gave inconsistent and contradictory policies, with no clear, accessible dispute process in place for blind individuals. 



Follow-Up Disputes : XX/XX/year> : Second dispute submitted ( XXXX XXXX XXXX XXXX ; Delivered XX/XX/year> ) XX/XX/year> : Third certified dispute mailed ( XXXX XXXX XXXX XXXX ; Delivered XX/XX/year> ) As of XX/XX/year>, TransUnion has failed to : Block the fraudulent data ( required within XXXX business days under FCRA XXXX XXXX Conduct a reinvestigation within XXXX days ( FCRA XXXX ) Provide consistent or accessible communication ( in violation of XXXX XXXX XXXX, XXXX XXXX. XXXX ) Additional Complaints Filed : CFPB Complaint Ref # : XXXX Status : Company Response in Progress California State Attorney General Filed via XXXX, XX/XX/year> XXXX Department of Justice Civil Rights Division ( ADA Complaint ) Filed XX/XX/year> TransUnion continues to ignore its duty to provide accessible, timely, and accurate credit reporting and dispute resolution. 



How This Has Affected Me : I have been denied access to credit and wrongfully scored due to fraudulent data I have spent over 30 days attempting to fix this issue, resulting in emotional stress and economic harm As a blind consumer, I have been systematically denied accommodation, resulting in a civil rights violation TransUnions practices are inconsistent, discriminatory, and noncompliant with FCRA and ADA mandates

Company response to consumer: Closed with non-monetary relief