Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Regarding Inaccessible and Inaccurate Credit Report Immediate Attention Required To Whom It May Concern : I am writing to formally lodge a serious complaint regarding an unresolved and escalating issue with my TransUnion credit file that has caused significant financial and personal hardship. Despite multiple attempts to remedy this matter through your customer service channels, my concerns have been ignored or inadequately addressed, and I am left with no other choice but to escalate this issue and consider formal legal action if it is not resolved immediately. 

As of XX/XX/XXXX, I have been completely locked out of my TransUnion credit report, both through your website and through third-party platforms. In addition, various financial institutions have been unable to access my credit file, resulting in account closures, decreased credit limits, and lost financial opportunities due to an inability to verify my creditworthiness. 

Moreover, I have observed several inaccurate addresses on my credit file that do not belong to me. This raises serious concerns that my credit profile may have been merged with another consumers file, creating a mixed file situationa direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 607 ( b ) which mandates maximum possible accuracy in credit reporting. 

In my numerous attempts to resolve this issue, I have encountered roadblocks, inadequate support, and a lack of accountability. Notably XXXX XXXX On XX/XX/XXXX, I spoke with a representative named XXXX who provided me with a case number : XXXX and assured me that a supervisor would contact me. To date, I have received no callback, no email, and no written correspondence from your team. 
* I have been issued multiple reference numbers from various representatives, none of whom were based in the United States. Each rep confirmed they could view my full file but could not provide any resolution or explanation. 
* I have been informed that an internal ERROR CODE XXXX is associated with my file, yet your representatives have failed to clarify what this means or how it is being addressed. 
* This issue is exclusive to TransUnionI am not experiencing any such issues with XXXX  or XXXX. 


This mishandling of my credit file has led to measurable financial damages, including but not limited to : * Credit card account closures * Decreased credit limits * Denied applications for credit-based services * Emotional distress and reputational harm due to inability to prove creditworthiness This situation appears to be a violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX 605B Block of Information Resulting from Identity Theft XXXX XXXXXXXX Procedure in Case of Disputed Accuracy XXXX XXXX ( b ) Duty to Follow Reasonable Procedures to Assure Maximum Possible Accuracy If this matter is not resolved within XXXX calendar days of receipt of this letter, I will be filing complaints with the following agencies : * Consumer Financial Protection Bureau ( CFPB ) * Federal Trade Commission ( FTC ) XXXX State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I will consult with legal counsel regarding potential damages under the FCRA for willful or negligent noncompliance, which allows for actual, statutory, and punitive damages under XXXX and XXXX of the FCRA. 

I am demanding the following : XXXX. Immediate and full restoration of my access to my credit file. 
XXXX. A full explanation of the cause of ERROR XXXX and a written statement of corrective actions taken. 
XXXX. Permanent removal of all inaccurate addresses and any data belonging to another consumer. 
XXXX. A corrected and updated credit report sent to my home address. 
XXXX. A formal apology and documentation showing all steps taken to prevent future harm. 


This letter serves as notice of serious concern and intention to pursue legal recourse if my rights as a consumer are not upheld and this matter is not resolved promptly.

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