Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please investigate the pattern of unethical practices with Transunion and XXXX XXXX investigative processes. Both of these companies have initiated intimidation practices to prevent consumers from exercising their rights under the Fair Credit Reporting Act. In response to consumers ' requesting investigation of inaccurate information on credit reports, Transunion and XXXX are blocking consumers ' credit reports and restricting consumers ' access to view their credit reports and/or investigative results. In addition, creating obstacles when consumers ' realize the report is blocked and request that it be unblocked by advising consumers ' they need to print a physical copy of their driver 's license and social security card, go to the post office, spend their own money and mail their sensitive information to the credit agency in order to have access to their own credit reports. Asking these agencies to comply with the Fair Credit Reporting Act and investigate inaccurate information appears to result in illegal, punitive action to scare consumers into not disputing inaccurate information found on Transunion and XXXX credit reports. 

The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 2. Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 3. Credit freezes must be lifted upon requestwithin one hour if requested online or by phone. I did not request that Transunion block my credit report and I am demanding my report be unlocked immediately. Following a request for Transunion to investigate incorrect information on my credit report, Transunion placed a block on my credit report, preventing me or any creditors I give consent to access my credit report. I contacted Transunion on XX/XX/XXXX and requested to have my credit report unlocked and Transunion refused to do so, despite the FCRA stating this must be completed with 1 hour of the consumer 's request. In addition, these credit reporting agencies have experienced data breaches, proving they can not safely handle consumer information, therefore they should refrain from requesting that consumers ' make paper copies of driver 's license and social security card and mail it to their office. This practice needs to be investigated, as we have no idea who will have access to these physical copies of sensitive information, which employee, in which country or on which continent.

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