Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6678438
Complaint Overview
Complaint ID: 6678438
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 11746
Date Received: 2023-03-10T12:00:00-05:00
Date Sent to Company: 2023-03-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX for the SECOND TIME has allowed someone to open an account under my name/information as provided by a soft inquiry to TransUnion. I called XXXX on XX/XX/2013 to initiate XXXX XXXX and they told me they can not proceed until I pay them the {$1900.00} that " I '' owe them, which they sent to collections and reported to at least one credit agency, without ever notifying me ( nor TransUnion notifying me ). This is the 2nd fraud against me by XXXX and I even have Credit Freezes and Fraud Alerts with all major credit agencies! Apparently XXXX only did a soft credit inquiry with TransUnion and ignored any fraud alerts. They have put the onus on me to prove that the {$1900.00} was not in fact meaka Guilty until proven innocent. This conduct is grossly negligent by XXXX and they will not give me service until I prove I do not owe them money. TransUnion is helping to continue to victimize me by permitting others to commit repeated ID theft against me, and this needs to be addressed by the CFPB. TransUnion needs to vet its customers more and cease dealing with them if they have a lack of basic fraud prevention, and stop providing my information to be used to commit further fraud against me. I called TransUnion and after a few phone transfers, they agreed to stop allowing soft inquiries against me. However, they will not send me a copy of my credit report as I have an active dispute. They told me to go to XXXX to access the report that they would not supply, however that website would not allow access to my report either. The fact that I have a dispute/fraud makes it even more important to see my credit report, which they are not allowing.
Frequently Asked Questions
What is Complaint #6678438 about?
Complaint #6678438 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-03-10T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-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.