Consumer complaint received 2024-10-28 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: SC

Complaint narrative:
I am submitting this complaint because I have encountered ongoing difficulties accessing my free annual credit report through TransUnions website and mobile application. Additionally, I have been unable to file disputes through their online platform, a right protected under federal law. Despite multiple attempts to log in and resolve this issue, I continue to be denied access. 

Key Issues : Login Attempts : I have made numerous attempts to log in using my credentials, but I am consistently met with error messages that prevent me from accessing my account. 
Customer Support : I have reached out to TransUnions customer service on multiple occasions. However, I have not received a solution. [ List dates, times, and representative names, if available. ] Dispute Functionality Blocked : Beyond the login issue, I am also unable to submit disputes online, infringing on my right to challenge inaccuracies on my credit report.

Potential Violations of Consumer Protection Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : TransUnion is impeding my legal right to obtain my free annual credit report ( 15 U.S.C. 1681g ) and to dispute any inaccuracies on my report ( 15 U.S.C. 1681i ). By blocking my access, they fail to uphold the requirement for reasonable measures to maintain report accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : TransUnions refusal to provide me with accessible credit report information and dispute options may constitute an unfair, deceptive, or abusive act ( 12 U.S.C. 5531 ), contravening the protections established under CFPA. 
XXXX. Federal Trade Commission XXXX ( FTC XXXX ) : By restricting access to my credit report and preventing me from filing disputes, XXXX actions XXXX fall under unfair or deceptive practices, which are prohibited by the FTC XXXX ( XXXX U.S.C. XXXX ). 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXt : These practices could violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) by unjustly limiting my ability to access and manage my credit information. 
XXXX. Electronic Signatures in Global and National XXXX XXXX ( XXXX XXXX ) : TransUnion XXXX be violating the E-Sign Act ( XXXX U.S.C. XXXX ) by offering electronic access to credit reports and disputes without ensuring they are accessible. 
XXXX. Equal Credit Opportunity Act ( ECOA ) : By obstructing my access to my credit report and the ability to dispute errors, TransUnion could be affecting my credit history access, a potential violation of ECOA ( XXXX U.S.C. XXXX ). 
XXXX. Fair and Accurate Credit Transactions Act ( XXXX ) : TransUnions actions XXXX infringe upon my rights under FACTA ( XXXX U.S.C. XXXX ), limiting my ability to monitor for identity theft and safeguard my credit. 

Please address these issues promptly, as my access to accurate and complete credit information is critical for managing and protecting my credit health.

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