Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #7788861
Complaint Overview
Complaint ID: 7788861
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: North Carolina
ZIP Code: XXXXX
Date Received: 2023-11-01T12:00:00-05:00
Date Sent to Company: 2023-11-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, I submitted an application for an XXXX XXXX ( XXXX ) credit card. Initially, I had only lifted the credit lock and unfreeze with XXXX. However, XXXX managed to retrieve my credit information from both XXXX and TransUnion. When I contacted TransUnion, they asserted that my credit had not been locked or frozen at the time. I was certain that my credit had been locked since XX/XX/XXXX because TransUnion allowed my second identity theft incident to occur, which prompted me to initially set up the credit lock. It was in XXXX when I realized they had done the same thing to me in XX/XX/XXXX with XXXX. At that time I thought they had frozen my account and they allowed XXXX to pull my account. Additionally, in XX/XX/XXXX, I fell victim to identity theft. This occurred because TransUnion permitted XXXX XXXX XXXX to access my credit information for someone who pretended to be me, and I had an alert on my account at the time. When I inquired with TransUnion about why they allowed this access, they explained that they had seen the alert but lacked a contact number to verify with me. I expressed my concern to them, arguing that this was all the more reason they should not have granted access to my credit information under those circumstances.
Frequently Asked Questions
What is Complaint #7788861 about?
Complaint #7788861 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2023-11-01T12:00:00-05:00.
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 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.