Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau. 
I am filing a complaint against TransUnion Credit Bureau. 

Company : TransUnion Credit Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Website : https : //www.transunion.com TransUnion has repeatedly sent me letters that are generic in nature and state that they applaud me for trying to take charge of my credit but that they have been contacted by a third party and refuse to process requests unless they come directly from me or that the third party provide proof that they were authorized to communicate with them on my behalf. 

I have contracted the following Credit Repair company since XX/XX/XXXX : XXXX XXXX / Owner and Contact XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX, Tx XXXX PH : XXXX PH : XXXX FX : XXXX XXXX I had to sign a contract with this company and they have proof that I am their client. 

TransUnion 's refusal to facilitate the requests by my contracted credit repair company is delaying the repair work and costing me more money and is not right. I want this stopped immediately. 

I have called TrasnUnion a number of times about this and have never been able to resolve this. I have also provided copies of the letters to the company that I hired and pay to handle all of this. 

When I have called TransUnion, I have experienced very strange conversations with people saying they are representatives of TransUnion who are on crackling telephone lines in XXXX XXXX and even today was on the phone for 20 minutes trying to address this again when then I was placed on hold for a long time and then the call disconnected and no one called me back to help me. 

I have tried to contact TransUnion thru its website multiple times but they don't have any way to communicate or send a complaint. 

Some of the Letters Received from TransUnion about the third party credit repair : XX/XX/XXXX File Number XXXX XX/XX/XXXX File number XXXX XX/XX/XXXX File Number XXXX XX/XX/XXXX File Number XXXX They are included in the attached documents. 

Recently TransUnion mailed one of the letters to me on XX/XX/XXXX File Number XXXX. It was sent to the wrong address and was mailed to my neighbor! That is a terrible mistake! 

I want this corrected asap! TransUnion needs to stop placing barriers in my efforts to correct my credit. It is wrong. I pay a company to help me correct my credit and they can not prevent this. 

I have called about this problem numerous times and I have verbally told the TransUnion representatives on the phone that I have hired XXXX XXXX XXXX XXXX. Still two years later TransUnion is still wasting time and my money and is refusing to provide the requested data and sending me these generic letters. 

I want this stopped. They need to note that I have hired XXXX XXXX and XXXX XXXX XXXX XXXX and provide them will any documents that they request. 

Please update this asap and send all the documents that XXXX XXXX XXXX XXXX has requested.

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