Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
TransUnion has unlawfully blocked only me from accessing my credit report or filing disputes through their online portal. Despite confirming my identity, TransUnion has restricted my access to my own consumer file while still allowing third-party credit monitoring services to retrieve my TransUnion data . I am being singled out and denied rights under the Fair Credit Reporting Act ( FCRA ). I request the CFPBs immediate intervention. 

My name is XXXX XXXX XXXX On or about XXXX XXXX I attempted to log into my TransUnion account to review my credit report and file a dispute. The system displayed an error indicating my access was blocked or unavailable. I attempted multiple times thereafter, through both the TransUnion portal and XXXX, and received similar access-denied messages. 

To confirm, I called TransUnion on XX/XX/year>. I called every day since the day of the incident and have spoken with many supervisors and managers. I was informed that the block would be lifted by doing a maintenance request but they lied and did not remove the block. After being escalated to a manager after 12 different calls I was explicitly told that my account had been locked to me and that this restriction applied only to me to protect my account which is a LIE. The manager could not provide any legitimate reason, nor any documentation or process to restore my access.

I was told because I was a victim of ID THEFT that my account would remain locked to me and if I needed to do anything or check on my credit report I would have to call in to get my report mailed out and could ONLY dispute over the phone which is a violation of my rights as a consumer.

I have verified that third-party credit monitoring tools ( such as [ XXXX XXXX , XXXX  XXXX, etc. ] ) still successfully access my TransUnion file meaning TransUnion has intentionally and selectively blocked me, not my data in general. This makes it impossible for me to : View my credit file directly through TransUnion ; File or track disputes online ; and Access my free annual credit report through XXXX. 


TransUnions conduct violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681g ( FCRA 609 ) Right to obtain disclosure of the information in my file ; 15 U.S.C. 1681i ( FCRA 611 ) Right to dispute inaccurate information and require reinvestigation ; 15 U.S.C. 1681n1681o Civil liability for willful and negligent noncompliance.

By denying me direct access, TransUnion is obstructing my ability to verify, monitor, and dispute information in my consumer file rights explicitly guaranteed under federal law. This also prevents me from detecting potential identity theft or credit reporting errors, causing ongoing harm.

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