Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I am currently in the process of 2 disputes w 2 different credit cards because of the same merchant. Meanwhile the credit card banks did not do their full due diligence to investigate these persisting issues. They have readded their charge amounts to all 3 of my credit bureaus reports and Transunion is denying me access to my own account. I have attempted to call them on multiple occasions to have them fix the persistant issue of being blocked out of my account. At first their site would not let me reset my account so I could access it so I was forced to reached out to them on the phone to provide them with my new info so they could manually reset my access. But now their website keeps blocking me every time I want to do anything having to do with my own personal info which they are distributing to everyone else but me. Afterwards their site would not let me update my password on my own online account. I had to call them again to get unblocked. 
Then I was blocked for requestion a new report which I told them is crucial and time sensitive to my credit card disputes/chargebacks. They told me they would escalate the problem because they couldn't fix the problem while they had me on the phone. No one called me back, not even an email. I called again for the same issue and told them why I needed access and I was told I have to wait for a call from a specific dept. No one called, again. This same agent told me that I could do a dispute over the phone but I told them I couldn't because I need to see what they are allowing to be reported on my account. Instead of letting me talk to a higher up when I asked, the agent told me to make use of annualcreditreport.com instead. This is unacceptable conduct and total disregard. They allow banks to report on my account which is destroying my stellar credit of XXXX plus but Transunion is preventing me from accessing my own account, which this malicious info is being reported on. Out of pure need and frustration I did wind up using the free report site and when I wanted to initiate my disputes for Transunion I was sent back to their site that again blocked me once I was in there attempting to work on the two necessary disputes. It said that the dispute process wasnt available at that time not once but on two different attempts. I also am not able to add a comment in my account about the ongoing credit card disputes which I am facing at this time. After attempting to add a note I was again completely blocked out of my account. Now I cant even log in for the last two days. This almost seems intentional at this point. When you refuse to fix an ongoing issue w an account which keeps occuring that means youre trying to prevent the account holder from seeing what is being reported about them and from disputing inaccuracies which are being allowed to continue. Their behavior and lack of concern for the distruction of my score and my perfect record w XXXX blemishes is hurting my ability to get future loans, decent credit, an acceptable mortgage or even a car. They are refusing to take responsibility for the problems they are creating which are compounding my initial problems with the false information the the credit cards are reporting. TransUnion blamed my lack of access to my own account on my laptop, my wifi and browser and just about anything else they could think of besides their own inadequacies and total disregard for my suffering at their hands. I have three different devices and I cant get normal access to my account, on their website, on any of them.

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