Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. 
Transunion til now has repeatedly refused to provide me my physical hard copy of my credit report since XX/XX/2024 and have acted dishonestly in their efforts to refuse me my free credit report. 
This being the 5th or 6th time since XX/XX/2024 they've all said the would mail me one free in the mail via us postal and have lied.They have yet to provide me one.Now their using a ridiculous excuse that it's because I'm disputing fraudulent activity on my credit report, which is dishonest according to other clandestine transunion reps who refuse to identify themselves, refuse any last name, refuse any employee ID info or even the country their located in doing all these dishonest wronh practices while hiding any reference to who or even where I'm speaking to.The only reason people hide their identity is if they have something to hide and I can see why through their dishonest contradictory practices. 
Even if that were true what was there excuse before I disputed fraudulent activity on my credit report? There is none. 
They repeatedly mislead using terms like they'll " investigate '' the fraulent activity when that's hardly what they do, actually the polar opposite they merely ask the companies engaging in fraud against me if what they '' say '' is true, ,the falsely state they've met FCRA requirement, further lying saying fraudulent activity is accurate when it's fraudulent such as XXXX 
They even mislead the public even in there name, as their called " credit bureaus '' which is another misleading, as bureau implies their trusted government agencies entrusted to secure and protect our personally sensitive information from frauds like XXXX and they know most of the public believes that, but they are NOT. 
Even though one rep dishonestly told they weren't only government bureaus, that they were international government bureaus in which CFPB knows they are NOT.

In fact they are private for profit companies who outsource to other countries renown for billing countless US citizens out of countless amounts of money each year.At best this is a clear conflict of interest especially knowing the only thing they have to " make '' money off is directly related to our nations citizens and mine, protected at least supposedly, personally sensitive information which should open the eyes of all citizens as this isn't right. 
Therefore, and they've proven, they can't be trusted and shouldn't be and should be investigated as I feel like there enabling fraudulent activity against me and my credit report as that seems like a potential way to scare us into hopefully purchasing something from them? This is a question that needs to be asked and investigated as I stated at best it'd a clear conflict of interest especially seeing how there allowing obvious boldly absurd fraudulent activity against me and lying for the frauds through misleading dishonest practices.Howevere, I will not be scared into buying anything from them.However, their still operating dishonestly and have total disregard for my rights and rules otherwise and let it be known to all the public these are NOT government agencies, these are private for profit outsourcing companies.They still refuse to provide my free even 1, credit report everyone I'd entitled to a year let alone they know I'm a victim identity theft and still behave dishonestly and it should be pointed out.As of XX/XX/2024 XXXX XXXX spilled the beans on Transunion, but we got disconnected.Then I called back to speak to a rude hostile and abusive dishonest XXXX  who hung up in my face, I then called back and spoke to whom I thought was a nice lady named XXXX who said she'd send me a free hard copy of my credit report by us postal mail to my home as requested. 
I had to do that first as they just closed a dispute and transunion lied for the frauds XXXX and stated they verified the fraudulent activity that is not mine as accurate dishonestly. 
XXXX then asked me if I wanted to dispute that fraud ( XXXX ) again I said yes but after they send out my free credit report to my physical home address in hard copy by usps mail to avoid further dishonest excuses by transunion.She then assured me she put it in system already and it was being sent in hard copy to my physical address by us postal mail. 
She then said it was on its way and that we could dispute the fraudulent activity by XXXX that they just lied for and kept on my credit report that's fraudulent and not mine so I said explicitly, are you sure it won't interfere with my credit report coming hardcopy to my physical address for free by uspostal? She replied no it was already in system to be physically mailed out to my physical address by us postal XXXX for free in hard copy form. 
So I said ok, if it doest interfere dispute the frauluent XXXX again as its fraudulent, not mine, and I do not owe them anything. 
XX/XX/2024 I get an email I'm always skeptical of opening by transunion saying secure, I didn't open it to be safe, as I knew from opening it before it was my credit report, again I was lied to by XXXX, after explicitly saying I wanted a free hard copy sent to my email, and she explicitly stated that's what she was sending, but she lied. 
So today after seeing this I called transunion back asking them why they again lied to move and still refuse to send my free credit report by physical uspostal in hardcopy to my address as they've said they would, this being the fifth ( approx. ) time this year alone, and everytime they lied. 
This time I spoke with some who called themselves XXXX who was rude, abusive and dishonest and discriminitively offensive at this point this is a disturbing outrage what these people are doing to our XXXX, it's a travesty that needs to be investigated and either corrected or shut down. 
I'll also note : Why after enter my personal sensitive info on their automated system do the hardly understandable people who no little XXXX repetively ask for it numerous times after it was officially typed in the automated system? 
What's to prevent them from writing it down and taking it home to pass it around? Very shady and suspiciously and certainly no reason for.This would and should make anyone further question their credibility and integrity, it isn't right what their getting away with and the public needs to know what their about and so does our government to put a stop to their what I feel are abuses. 
Remove all fraulent activity as transunion is entrusted to do properly or shut down.period. 
I feel like their enabling the frauds against me when they should be protecting us US citizens especially victims of identity theft like me.

They should have to provide and identifiable reference info to whom we speak and operate in US only.They should never repetitively ask anyone for their personal info more than once.They should stop all fraudulent activity instead of encouraging it.They should have to follow the rules and respect my rights, our rights, accordingly.They also should have to stop misleading false verifications and be transparent, among many other proper profession ethical requirements which I haven't experienced them meeting any.Thank you! 

Ps : Please excuse any and all typos as I'm having to type this on a phone in a rush also I could add more details but anyone should be able to get the point!

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