Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I am writing to formally express my frustration and concern regarding my inability to access my TransUnion account associated with the email XXXX. Despite multiple attempts to resolve this matter through your membership support team, my account activity remains restricted, and I am unable to log in. As a result, I have no ability to dispute inaccuracies on my credit report or upload necessary documentation, which significantly impairs my ability to manage my credit profile. 

This issue not only causes direct harm to me as a consumer, but it also raises serious concerns regarding TransUnions legal obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The FCRA guarantees consumers the right to access their credit information and dispute inaccuracies. By failing to maintain my account access and provide adequate support to resolve this matter, TransUnion is effectively denying me my federally protected rights, which may constitute a failure to comply with consumer protection laws. 

Furthermore, when I have attempted to escalate this issueeither to supervisors or managersI have been immediately transferred to TransUnions litigation department, where I am met with a voicemail. I have left messages, yet no one has returned my calls. I find it highly questionable that a simple consumer inquiry regarding account access is being redirected to litigation rather than being handled by customer service or account maintenance representatives. This practice suggests an intentional effort to avoid accountability and creates additional barriers for consumers like myself to access, review, and correct our credit information. 

The inability to access my credit report due to technical or administrative failures on TransUnions part creates significant liability for your organization. If I am unable to dispute inaccurate information or access my report, and those inaccuracies lead to financial harm ( such as credit denials, higher interest rates, or reputational damage ), TransUnion could be held responsible for willful noncompliance under the FCRA. Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, credit reporting agencies have a duty to ensure fair and accurate credit reporting, which includes providing consumers with functional access to their credit data and a working dispute resolution system. 

I am requesting immediate action to resolve my account access issue and restore my ability to dispute inaccuracies in my credit report. Additionally, I expect a direct response addressing why all escalation attempts are being diverted to the litigation department and why no one has followed up on my calls.

Please provide a written response within ten ( 10 ) business days confirming that my account access has been restored and detailing the steps TransUnion is taking to prevent such issues from recurring. Failure to address this matter appropriately may compel me to explore further legal remedies. 

These events continued to happen and most recently occurred on XX/XX/year> during several phone calls in attempts to remedy my credit report. 

I expect prompt attention to this matter and appreciate your immediate cooperation.

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