Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered my XXXX XXXX on Transunion dropped from XXXX to XXXX. I attempted to access Transunion but could not view my account. ( Please see attached snapshots ). I contacted Transunion and was advised that I could not view my report because 'they were merging a 'new ' credit file. As of today I still can not access my credit report on Transunion. Here is the letter I sent Transunion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address a critical issue concerning my TransUnion credit report. On XX/XX/XXXX, I discovered that my XXXX XXXX dropped drastically from XXXX to XXXX. When I attempted to access my credit file through TransUnion to investigate this matter, I was blocked. Upon contacting your representatives, I was informed that TransUnion is in the process of merging another credit file with my current file, which is the cause of this restriction. 

This action violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( 15 U.S.C. 1681g ), which entitles me to access the information contained in my credit file. The FCRA requires credit reporting agencies to provide consumers with access to their credit reports and maintain the accuracy of the information reported. Blocking my access to my file and failing to notify me of any significant changes constitutes non-compliance with these federal requirements. 

Furthermore, your failure to ensure the accuracy of the information and maintain my ability to monitor my XXXX XXXX has caused financial and emotional distress. This situation has had a direct negative impact on my creditworthiness, which is unacceptable. 

As a remedy, I formally demand that you : Immediately restore my XXXX XXXX to its previous state of XXXX prior to the merging process. 
Provide me with unrestricted access to my credit file and any documentation or details regarding the merging of the files. 
Investigate and resolve the issues caused by the merging process, ensuring that all reported information is accurate and properly attributed. 
If these issues are not resolved within 15 days of receipt of this letter, I will have no choice but to pursue legal remedies as permitted under the FCRA, including statutory damages of up to {$1000.00} for non-compliance and additional compensation for any actual damages incurred. 

Please confirm in writing within 15 days that the necessary corrections have been made and that I will no longer face barriers to accessing my credit file. Failure to comply will result in legal action without further notice. 

Sincerely, XXXX XXXX XXXX

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