Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XXXX and XX/XX/XXXX, I was the victim of two catastrophic vehicle collisions that terminated eight years of disciplined business development and destroyed my financial standing. Over the subsequent seven years, my legal team has invested over {$650000.00} in pursuit of lawful recovery from these losses. 

As a business owner with a technology venture positioned for strategic exit, I pursued every available channel to resolve systemic errors attached to my credit profile. Independent economic analysis confirms that my venture possessed quantifiable exit potential ranging from $ XXXX XXXX based on contemporaneous market comparables, with over {$560000.00} in forensically validated capital investment destroyed by the accidents. 

On XX/XX/XXXX, I submitted a formal demand to TransUnion requesting complete historical credit records. Despite extensive escalation to XXXX, XXXX, and XXXXTransUnion 's triumvirate of executive leadershipthe company failed to deliver a complete response sixteen days after demand. 

Most revealing, TransUnion personnel expressed displeasure to my legal counsel regarding my follow-up requests. One might reasonably ask : when did consumer requests for lawful access to their own financial records become unwelcome impositions rather than fiduciary obligations? This attitude betrays a fundamental misunderstanding of TransUnion 's business modelthey monetize consumer financial data as a product, yet exhibit hostility when those same consumers seek access for legitimate legal purposes. 

The irony would be amusing if the consequences weren't so severe. As XXXX XXXX observed, " I've never seen a management where the caliber of the people wasn't eventually reflected in the operations of the enterprise. '' TransUnion 's operational responsesixteen days to ignore a lawful request while personnel express displeasure about consumer follow-upreflects organizational priorities and culture that require senior team attention and systematic reform. 

The stress and financial imposition on my family and business operations has been extraordinaryseven years of uncompensated recovery efforts while managing litigation that should have been resolved through proper credit documentation. TransUnion 's obstruction has prevented settlement of multi-million dollar proceedings involving > $ XXXX XXXX in documented economic damages. They would have no idea. And frankly it shouldn't matter. Every request through this team should be treated with XXXX  overnight priority. 

I respectfully request that the CFPB publish this complaint ( after redacting personal information ) to establish that credit bureau organizational failures can cause catastrophic consumer consequences requiring immediate leadership accountability and cultural reform.

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