Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
I submitted valid credit disputes through my TransUnion account, and shortly afterward, my access was suddenly suspended without clear explanation. I contacted TransUnions support line and was provided a temporary password, which failed to work. Despite following all their instructions and verifying my identity, I was unable to regain access. 

I was then forced to create a second account, which contained no credit data and no record of my past disputes. I made it explicitly clear to the phone representative that I did not want that account deactivated, yet it was still deactivated without my consent. I am now being told I must create a third account just to view or monitor my own credit file. This repeated deactivation of accounts I rely on to view my credit report and track disputes is unreasonable, unjustified, and borders on obstruction. 

The first two Transunion representatives I spoke with provided misleading and inaccurate information. They failed to explain the reason behind the account suspension, did not acknowledge the past disputes I had submitted, and repeatedly refused to transfer me to a supervisor when requested. One call ended in a sudden disconnection immediately after I insisted on escalation. This pattern of avoidance and obstruction began shortly after I placed a credit freeze on my file, which raises serious concerns about whether my legal protections are being intentionally undermined.

TransUnion is now preventing me from accessing or tracking the status of my past disputes and has failed to provide written confirmation or explanation of any ongoing investigation. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to access my credit report and receive updates regarding dispute resolution. TransUnion is failing to meet these legal obligations and has taken actions that appear to suppress access and transparency. 

I feel Im being targeted. I never had any prior issues with TransUnion until I submitted a dispute involving XXXX XXXX XXXX and XXXX XXXX XXXX. Not long after that, I placed a freeze on my credit files and suddenly, I began experiencing unexpected account suspensions, missing dispute records, and repeated interference with my access. The timing and sequence of events raise serious concerns about how my actions as a consumer are being treated. 

This entire situation has caused me nothing but stress and turmoil. I am unable to relax or live my life without constant worry about these ongoing problems. All I ever needed was proper validation for a debt that was reported to my credit file without my knowledge or consent. Instead, I have encountered obstruction and denial of access by all companies involved, all around. No one seems to have an answer or willingness to make this entire process as smooth as it should be. 

Lastly, I need to mention that they might've received a XXXX  complaint accidentally which is not their fault. It was entirely on XXXX  who also have issues going on with their website ( s ).

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