Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
File Number : XXXX Date Issued : XX/XX/year> We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : Credit Freeze Added We received your credit freeze request and a freeze is now in place on your TransUnion credit report. It will stay in place until you request its removal. 

If you would like to temporarily lift or remove your freeze, simply go to XXXX.transunion.comXXXX where you can find more information. You can also call us at XXXX. You will be asked a series of questions to confirm your identity before making any changes. 

Re : Credit Freeze What is a credit freeze? 

A credit freeze prevents most lenders from checking your credit report to open a new account. A freeze may also prevent your information from being released for other inquiries ( such as opening a bank account ). Federal law allows certain transactions- such as those for insurance purposes- to continue even while a credit freeze is in place, and you'll continue to be able to take advantage of credit monitoring services. If you have a freeze on your credit report, you will need to lift or remove it before you apply for credit. 

If I freeze with TransUnion, do I need to freeze with the other bureaus? 

You can freeze your TransUnion credit report with us, but to freeze your other credit reports you must contact each of the other bureaus. Their information is below. 

XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Credit Freeze Exemptions We understand you have some questions about freeze exceptions and we wanted to give you some more information. Your credit report may be released for any of the following reasons or to the following parties even if there is a freeze in place : - Companies that have a current - or in some cases, prior - financial relationship with you. This could include reviewing your account for maintenance, monitoring, increasing credit lines, account upgrades and enhancements, or collecting the financial obligation owed. 
- Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.

- A child support agency acting pursuant to part D of title IV of the Social Security Act. 
- A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604 of the Fair Credit Reporting Act ( FCRA ). 
- By a person using credit information for the prescreen purpose described under section 604 ( c ) of the FCRA. Also, see the Note at the bottom of this letter. 
- Any person or entity administering a credit file monitoring subscription or similar service to which you have subscribed. 
- Any person or entity for the purpose of providing you with a copy of your consumer report or credit score, upon your request. 
- Any person using the information in connection with the underwriting of insurance. 
- Any person using the information for employment, tenant, or background screening purposes. 
- Any person using the information for assessing, verifying, or authenticating a consumer 's identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud. 
The reasons your credit report may be released even if there is a freeze in place may change without notice if there is a change in law or new laws. 

Note : You have the right to limit " prescreened '' offers of credit and insurance you get based on information in your credit report. If you want your name and address removed from prescreen mailing lists obtained from the major credit reporting companies- TransUnion, XXXX XXXX XXXX XXXX, you may contact us at www.optoutprescreen.com or XXXX ( XXXX ). 

To view a summary of your rights under the FCRA, please visit www.transunion.com/legal/bill-of-rights/federal.

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