Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
For several months I have been waiting for Transunion to process my XXXX XXXX XXXX, which was mailed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, and included in my CFPB Complaint Submitted on XX/XX/2024. Since this dispute is a trafficking related dispute and by law, they only had XXXX business days to block the information on my credit file. I was already planning to just redispute the information online because Transunion did block some of the trafficking related information due to receiving my disputes on the above dates, BUT THEY DID NOT BLOCK ALL OF IT, and then to add insult to my injury TransUnion UNBLOCKED the insufficient partial information they had blocked TODAY, THURSDAY, XX/XX/2024. This is just XXXX of several times that TransUnion has done this! 

Each time I have disputed my trafficking related information with TransUnion they have discriminated against me and violated my rights by delaying blocking trafficking related information beyond what is allowed by law, and/or failing to block the trafficking related information at all or choosing to block only some of the trafficking related information or blocking it and then unblocking it. 

TransUnion Has Received A XXXX Page Dispute From Me On Multiple Occasions. 

Which Included : o Proof Of Identity : I Am Enclosing A Copy Of My MN Drivers License. 
o A Self-Attestation That You Are A Victim. 
o Trafficking Documentation : o XXXX ( XXXX ) XXXX Trafficking Victim Determination Letter From XXXX XXXX ( XXXX )/ Victim Service Provider ( VSP ). 
o XXXX Notice. 
o XXXX Reasonable Accommodation Request. 
o XXXX XXXX XXXX XXXX. 

For a dispute to take months is a direct violation of my rights and protections. I have talked to them countless times, texted them several times, and tried to email them numerous times about this. I even registered for their secure email account to communicate with them, but they have prevented me from responding, so I can see their messages and attachments and that is all. 

This has all been done in bad faith and maliciously to cause me to not be able to get trafficking related information blocked from my credit report so they can continue to report the trafficking related information falsely and maliciously. 

Id also like to point out that I just made a complaint about Transunion blocking my online access to my credit report and score, and my ability to process disputes online. They responded saying they did that because I am a fraud victim, and they want fraud victims to send and request their information via mail. So, because I am a victim they want to revictimize me. I NEVER REQUSTED A FRAUD ALERT A SECURITY FREEZE OR ANYTHING ELSE that would prevent me from requesting my credit report, score, and processing my disputes online. Again, This has all been done in bad faith and maliciously to cause me to not be able to get trafficking related information blocked from my credit report so they can continue to report the trafficking related information falsely and maliciously. 

This is further proven by their refusal to process my trafficking related dispute sent by postal mail on XX/XX/2024, XX/XX/2024, and XX/XX/2024. They keep making it seem like I am insufficiently doing something, and they keep trying to transfer the blame to me by making me to do this do that and I do, and THEY STILL WONT block the information they are required to by law! 

They simply DONT WANT TO DO IT and are doing everything they can to delay and prevent from blocking the inaccurate trafficking related information from my credit report. 

Its Hard To Predict What Their Excuse For Violating Me Like This Will Be. 

Maybe they will say because the dispute is mailed, they legally have a year to process it. This is factually untrue. 

Maybe XXXX produce a bogus excuse for not processing the dispute like the documentation sent to them via mail was insufficient but that is also FACTUALLY UNTRUE TransUnion has removed trafficking related items from my credit file USING THE SAME EXACT DOCUMENTATION IN THE PAST, actually they have done it with less information. 

DESPITE ALL OF THIS TransUnion continues to report trafficking related information on my credit report and make extraneous and erroneous requests to send things via mail and when I do, they just continue to report the trafficking related information. 

The trafficking - related information remains on my file in violation of my rights and is causing me substantial harm. 

I Have Already Been Harmed Because : XXXX. I was unable to obtain an auto and personal loan due to this inaccurate and false credit reporting. 
XXXX. I have suffered homelessness and can not secure stable housing because of this inaccurate and false information in my credit report. 
XXXX. I was charged an inflated rate of interest for the credit I was able to obtain because of the inaccurate and false credit report. 
XXXX. I was unable to open new lines of credit as a result of inaccurate and false credit reporting. 
XXXX. I was denied an apartment due to this inaccurate and false credit reporting. 
XXXX. I was denied credit MULTIPLE TIMES due to this inaccurate and false credit reporting. 
XXXX. Due to my XXXX I had to pay someone to help me to call to resolve this matter since because of my XXXX I am unable to communicate with a representative of Transunion via phone. 
XXXX. Due to my XXXX I had to pay more for postage, and I also had to pay someone to mail the disputes to Transunion on XXXX separate occasions, since because of my XXXX I am unable to mail the disputes. 



XXXX. I had to take time off from work to find and coordinate to have someone do the above with Transunion which has taken a lot of time and cost me a lot of money! 

They Have Also Ignored My Medically Necessary XXXX Reasonable Accommodation Requests Of : XXXX. Being able to exchange two-way communication with a representative of your office via email, or an online messaging portal I can be given access to, so that I XXXX communicate with a representative of your office effectively and receive notices from your office successfully. 

XXXX. Having my online access and ability to request my credit report, score, and process disputes online restored. 

XXXX. To have a dedicated employee of your office permanently available to me that I can communicate with directly via email and have my concerns and requests reviewed. 

These Requests Have Been Ignored By Transunion For An Unreasonable Amount Of Time! 

On XX/XX/2024 I Read The Notification That CFPB Finds Violations of Credit Report Accuracy Requirements, Including for Survivors of Human Trafficking, and that consumer reporting companies and furnishers do not follow their dispute resolution obligations relating to human trafficking, and Consumer reporting companies failed to block or remove information relating to human trafficking, and CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all human trafficking block requests per the law. I was OVERJOYED SAYING FINALLY SOME COMPLIANCE ENFORCEMENT AND RELIEF FOR SURVIVORS! I then had faith that things would change and because of this TransUnion would immediately resolve the errors. So, this is what encouraged me to remail my dispute on XX/XX/2024. Sadly, Devastatingly, I was wrong, and not a little wrong, very wrong, because as I said before TODAY TRANSUNION UNBLOCKED THE LITTLE BIT OF TRAFFICKING RELATED ACCOUNTS IT HAD BLOCKED AS A RESULT OF MY HUMAN TRAFFICKING DISPUTES! XXXX XXXX! 

This is discrimination, prejudicial, and I view it as a violent criminal hate incident against me. If I can not get this matter resolved immediately, I will file a discrimination complaint with the MN XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and I will be consulting with a consumer rights attorney that specializes in FCRA and Debt Bondage Act litigation to sue TransUnion.

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