Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm attempting to clean up information in various databases that fall under the FCRA. I first heard of the major credit reporting agencies having subsidiary companies about XXXX months ago, including XXXX 's " XXXX XXXX XXXX '' also known as " XXXX XXXX, '' which collects various types of data ( such as employment data ). Such data falls under the Fair Credit Reporting Act because it is resold to consumer businesses to make hiring and other decisions. In the case of XXXX XXXX XXXX 's stored data that is used as a source for its published reports, it is not included in a request to Equifax as part of the typical report that an individual can request under the FCRA to verify information about them, but must be requested separately through XXXX XXXX XXXX as an FCRA request. 

Recently, I found out that Trans Union has similar product offerings as that of Equifax 's XXXX XXXX XXXX. More specifically, Trans Union has TruAudience, TruValidate, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It is my understanding that XXXX sells risk scores, credit-based insights, and tenant/employment related data reports, and thus would be governed by the FCRA. 

It is my understanding that XXXX is used for consumer credit monitoring and is governed by the FCRA. Although I believe that it pulls information from an individuals credit file, it is a separate entity, and thus hold data separately. 

It's my understanding that XXXX doesn't advertise itself as an FCRA company, however, it does draw data from Trans Union 's proprietary data, so there is overlap in it's data. And despite not advertising itself as being for FCRA purposes, many consumers use it as such. 

XXXX doesn't have much of a description as to what data it may store, and although it doesn't list itself as selling consumer reports under the FCRA, it's lack of listed detail doesn't indicate if consumers falling under the purview of the FCRA are using it to obtain data that falls under the FCRA. 

Upon calling Trans Union twice to get disclosure reports under the FCRA from these Trans Union entities, including calling the phone number listed on the contact us page that was a direct link from the XXXX webpage, the representatives had never even heard of XXXX. I told the XXXX rep to XXXX " Trans Union XXXX '' and she did, but admitted it was her first time ever even hearing of it. 

I have a legal right under the FCRA to receive a consumer report from Trans Union that includes all data that is being used to generate consumer reports falling under the purview of the FCRA. Their corporate structure and ability to request of such data is not transparent. Just as I had to request a separate report from XXXX 's XXXX XXXX XXXX, I want a full disclosure of all data held by Trans Union, and it's subsidiary companies.

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