Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for willfully violating the Fair Credit Reporting Act ( FCRA ) and causing direct harm to my housing, finances, and legal rights. 
1. Unauthorized Fraud Alert & Freeze : TransUnion placed a fraud alert and security freeze on my credit report without my consent, which has blocked landlords from screening my report and caused me to be denied housing.

2. Refusal to Remove the Alert : I spent over one hour on the phone with a TransUnion supervisor, who admitted they could not remove the fraud alert and instead deleted and recreated my account, but the problem remained. I was then redirected to their Live Chat, where the agent refused to help me as well.

3. Retaliation After Threatening CFPB Complaint : When I told the chat agent I would file a complaint with the CFPB, I was immediately logged out and locked out of my account. This is blatant retaliation and an attempt to silence my complaint.

4. Blocking My Legal Right to Dispute : I currently can not access my dispute results, submit new disputes, or view my reporta clear violation of 15 U.S.C. 1681g and 1681c-2.

5. Reinsertion of Deleted Negative Items : TransUnion has also reinserted previously removed charge-offs on my report without providing notice or a valid reinvestigation, violating 1681i ( a ) ( 5 ) ( B ) of the FCRA.

I now have documented housing denial, hours of wasted time, and escalating stress due to TransUnions deliberate failure to correct these issues. This is not technical errorits gross negligence and systemic obstruction of consumer rights.

I am demanding immediate regulatory action and investigation, including : Full removal of the fraud alert and freeze Restoration of my portal access Removal of any reinserted charge-offs Investigation into TransUnions retaliation and abuse of authority Financial penalties for harm caused and continued FCRA violations I wanted to notify you that my TransUnion credit report is currently blocked due to an unauthorized fraud alert that I did not request. Ive spent hours trying to resolve it with TransUnion, and Ive now filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for violating my rights under federal law.

As a result, my report is not accessible to third-party tenant screeners until this issue is resolved which TransUnion has failed to do despite repeated requests.

To keep my application moving forward, Im happy to : Provide my full credit report from XXXX XXXX XXXX Share proof of income, ID, and bank statements Supply a letter confirming my complaint and TransUnions failure This issue is entirely on TransUnions side, and Im actively fighting it legally. Please let me know if you can temporarily bypass TransUnion or accept alternate documentation for screening so we dont lose time.

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