Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #4456968
Complaint Overview
Complaint ID: 4456968
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Kansas
ZIP Code: 666XX
Date Received: 2021-06-13T12:00:00-05:00
Date Sent to Company: 2021-06-13T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have made dozens of requests for my credit report since XX/XX/XXXX, which TransUnion ignores and refuses to send me my credit report. I have made the requests in writing, on my TransUnion account online, and on XXXX. After multiple refusals, I contacted TransUnion by phone and was told that because I have a security freeze on my credit report, they are NOT ABLE to release my credit report online. On XX/XX/XXXX, I again attempted to retreive my credit report from Annual Credit Report, which was refused and required a written request. Please see attached documentation. On XX/XX/XXXX, I attempted again to retrieve my credit report from TransUnion on my account after logging in. Please see 3 pages for the requests which was refused. Their website says I am able to request a credit report every 24 hours, which is false. On XX/XX/XXXX, to test a theory that TransUnion will not provide a FREE copy but will provide a PAID copy, I signed up for the credit monitoring service on TransUnion 's website. I was able to set up an account very easily and TransUnion did not request an information to verify my identity and PROVIDED A COPY OF MY CREDIT REPORT. Please see attached. TransUnion is refusing to provide me with a free copy of my credit report and is forcing me to purchase it in order to access it. The representative with whom I spoke in XX/XX/XXXX gave me falsified information regarding the inaccessibility of my credit report online because of a fraud/security freeze. I have had a security freeze on my credit report since XXXX and only for the past six months have they refused my credit report online. I have also attached several documents of proof of identity and address so that TransUnion has no excuse of dismissing or ignoring this complaint referencing proof of identity.
Frequently Asked Questions
What is Complaint #4456968 about?
Complaint #4456968 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2021-06-13T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.