{"took":177,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":21008,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3146314","_score":13.046992,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, TransUnion is reporting my social security number incorrectly. I have been trying to correct this error with TransUnion for more than a year, to no avail. I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles. XXXX XXXX continues to indicate that they are not reporting the incorrect information that TransUnion alleges and they do not understand why TransUnion is reporting the information incorrectly. TransUnion is the only CRA reporting my social security number incorrectly. Both XXXX and XXXX have my social security number listed correctly ( see attached ). TransUnion is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. TransUnion refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call XXXX XXXX, to no avail. They report that they have not provided the incorrect social security number that TransUnion is reporting.","date_sent_to_company":"2019-02-08T09:05:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"3146314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-08T03:04:13.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[13.046992,"3146314"]},{"_index":"complaint-public-v1","_id":"7490613","_score":12.975622,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX of XXXX my credit was frozen with all three credit bureaus ; XXXX, XXXX and TransUnion. I did not unfreeze my credit. \nTransUnion allowed a loan to be put on my credit report with them in XX/XX/2022 by a Dividend Finance using a forged DocuSign document created through identity theft. \nI have notified TransUnion multiple times over the past year despite their webpage not functioning up to the standard the law sets for Credit Reporting Agencies. They were made aware of this security issue and the failure of TransUnion to maintain my security freeze and also allow for someone to use my personal information to place a loan illegally and fraudulently through identity theft.\n\nTransUnion did not maintain my security freeze. TransUnion allowed a forged DocuSign document to continue to repeatedly report a fraudulent loan on my TransUnion report despite being notified of the fraud. TransUnion still is reporting the fraudulent loan on my TransUnion credit report despite being notified multiple times, through multiple ways, that the loan is fraudulent and never should have gone on my TransUnion report during a time of security freeze. \nTransUnion actively chose to repeatedly break the law. \nTransUnion 's website ( webpage ) still does not function. \nTransUnion has repeatedly placed a loan on my TransUnion credit report that they know : 1 ) was created when my credit with TransUnion was supposed to be frozen.\n\n2 ) was created using a forged DocuSign document 3 ) was created via identity theft 4 ) TransUnion does not maintain a functioning webpage where a consumer ( myself ) can manage disputes, fraud reports, security freezes, consumer statements or anything legally required of them.","date_sent_to_company":"2023-09-02T11:22:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"32606","tags":"Servicemember","has_narrative":true,"complaint_id":"7490613","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-02T10:58:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In XXXX of XXXX my credit was frozen with all three credit bureaus ; XXXX, XXXX and TransUnion. I did not unfreeze my credit. \nTransUnion allowed a loan to be put on my credit report with them in XX/XX/2022 by a Dividend Finance using a forged DocuSign document created through identity theft. \nI have notified TransUnion multiple times over the past year despite their webpage not functioning up to the standard the law sets for Credit Reporting Agencies."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with fraud alerts or security freezes"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.975622,"7490613"]},{"_index":"complaint-public-v1","_id":"4792350","_score":12.937817,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion is currently reporting inaccurate information on my credit report..TransUnion is currently reporting an inaccurate Social Security Number on my Credit file. This Changing or false information occurred only after i made a complaint to XXXX about my TransUnion credit file was not being reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe XXXX XXXX cant access my TransUnion Credit file is because the inaccurate Social Security Number being. I have enclosed a copy of my Social Security number and Valid Texas Drivers License. TransUnion for the second time deleted my XXXX XXXX XXXX XXXX Account # XXXX without my authorization.","date_sent_to_company":"2021-10-08T18:12:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76119","tags":null,"has_narrative":true,"complaint_id":"4792350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-10-08T17:24:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["TransUnion is currently reporting inaccurate information on my credit report..TransUnion is currently reporting an inaccurate Social Security Number on my Credit file. This Changing or false information occurred only after i made a complaint to XXXX about my TransUnion credit file was not being reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe XXXX XXXX cant access my TransUnion Credit file is because the inaccurate Social Security Number being."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.937817,"4792350"]},{"_index":"complaint-public-v1","_id":"2988174","_score":12.841467,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my TransUnion credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. TransUnion Dispute result claims the information is correct even though it is obvious the social security number XXXX XXXX XXXX has provide to TransUnion does not match that of my true identifying social security number. TransUnion has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.","date_sent_to_company":"2018-08-10T18:29:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45248","tags":null,"has_narrative":true,"complaint_id":"2988174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-08-10T18:22:22.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my TransUnion credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.841467,"2988174"]},{"_index":"complaint-public-v1","_id":"2580962","_score":12.820632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and a Chapter XXXX Bankruptcy. I contacted TransUnion on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , and New Jersey Federal Bankruptcy Court- XXXX in the file TransUnion maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Reference Number XXXX states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested TransUnion to please validate this information with New Jersey Federal Bankruptcy Court- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file TransUnion maintain under my Social Security number. I reminded TransUnion that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I kept careful records of TransUnions actions, including TransUnions Method of Verification. I did not consent to XXXX or any means of automated verification. While TransUnion conducted their investigation, I contacted the New Jersey Federal Bankruptcy Court- XXXX via certified mail and return mail. In respond to my certified letter, the New Jersey Federal Bankruptcy- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. In addition, I contacted XXXX XXXX XXXX, via certified mail, a third-party vendor that provide or sales public records to local, state, and federal courts to TransUnion. I requested a security freeze of the credit file they maintain under my Social Security number. XXXX XXXX XXXX placed the requested security freeze on the account bearing my Social Security number. TransUnion reported on XX/XX/XXXX that my account bearing my Social Security number was verified and information updated. Therefore, TransUnion has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, TransUnion has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police Department in XXXX, New Jersey to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. TransUnion has violated the FCRA and I request that remove ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the New Jersey Federal Bankruptcy- XXXX . TransUnion continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number.","date_sent_to_company":"2017-07-21T07:14:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07712","tags":"Servicemember","has_narrative":true,"complaint_id":"2580962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-21T02:35:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and a Chapter XXXX Bankruptcy. I contacted TransUnion on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , and New Jersey Federal Bankruptcy Court- XXXX in the file TransUnion maintains under my Social Security number."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.820632,"2580962"]},{"_index":"complaint-public-v1","_id":"2673294","_score":12.813749,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to \" lock '' my credit report.\nTransUnion appears to be taking unfair advantage of the XXXX hacking incident, and customer 's interest in freezing their credit reports, in order to FORCE us to buy their TrueIdentity product by making the legally required availability of a Security Freeze inaccessible. The increase in demand for Security Freezes can not be the reason for the unavailability of this service if the parallel, but more expensive, TrueIdentity product is still available.","date_sent_to_company":"2017-09-14T16:43:27.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"93711","tags":null,"has_narrative":true,"complaint_id":"2673294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-14T16:32:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to \" lock '' my credit report."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with fraud alerts or security freezes"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.813749,"2673294"]},{"_index":"complaint-public-v1","_id":"2965408","_score":12.775518,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification. Because of this, on XX/XX/2018 I filed CFPB complaint # XXXX against Transunion. In this second complaint I provided Transunion a copy of my valid current California Driver 's License and Social Security Card issued by the Social Security Administration. On XX/XX/2018, Transunion closed the 2nd complaint by responding that they are unable to delete the Fraud Alert since the address on my driver 's license does not match their database. This is false. The address on my driver 's license is on my credit report/file. Transunion also responded that a social security card is not an identifying document. This contradicts Transunion 's response under CFPB Complaint # XXXX. ( please see page 2 of Complaint # XXXX ) Transunion is not properly handling CFPB complaints and consumer disputes. In addition to this, Transunion regularly marks disputes as \" duplicates '' in order to avoid responding to them and in order to avoid addressing the issues raised in the disputes. This will be addressed in a separate CFPB complaint specifically for that issue. Please remove the fraud alert from my credit report and stop violating consumer protections laws.","date_sent_to_company":"2018-07-17T19:57:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90280","tags":null,"has_narrative":true,"complaint_id":"2965408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-07-17T18:04:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[12.775518,"2965408"]},{"_index":"complaint-public-v1","_id":"9524037","_score":12.704968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion Credit Solutions has been reporting an account on my credit report that is fraudulent. I have submitted a copy of the police report and FTC report, and TransUnion continues to report that the account has been verified as accurate. At this time Transunion has violated the FCRA, by not doing a reasonable investigation into XXXX XXXX XXXX XXXX that they are reporting under my social security number that they maintain under my social security number.","date_sent_to_company":"2024-07-17T03:08:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75231","tags":null,"has_narrative":true,"complaint_id":"9524037","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-17T02:31:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["TransUnion Credit Solutions has been reporting an account on my credit report that is fraudulent. I have submitted a copy of the police report and FTC report, and TransUnion continues to report that the account has been verified as accurate. At this time Transunion has violated the FCRA, by not doing a reasonable investigation into XXXX XXXX XXXX XXXX that they are reporting under my social security number that they maintain under my social security number."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.704968,"9524037"]},{"_index":"complaint-public-v1","_id":"1612373","_score":12.697086,"_source":{"product":"Credit reporting","complaint_what_happened":"Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately!","date_sent_to_company":"2015-10-17T15:12:14.000Z","issue":"Credit monitoring or identity protection","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1612373","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-10-17T15:12:13.000Z","state":"GU","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem with fraud alerts"},"highlight":{"complaint_what_happened":["This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze."],"product":["Credit reporting"],"issue":["Credit monitoring or identity protection"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."]},"sort":[12.697086,"1612373"]},{"_index":"complaint-public-v1","_id":"2576337","_score":12.64131,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.\n\nThe only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one. While I do now understand that there is a fee associated with the Security Freeze, I am more interested in the derogatory information being reported on my credit report.\n\nI have not received any more communication from TransUnion regarding this matter.","date_sent_to_company":"2017-07-17T07:55:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"2576337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-17T03:47:22.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.\n\nThe only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[12.64131,"2576337"]},{"_index":"complaint-public-v1","_id":"3195958","_score":12.610675,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019 XXXX XXXX XXXX were contacted by complainant due to incorrect Chapter XXXX Bankruptcy filing being reported to TransUnion. Upon investigation, XXXX found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. XXXX verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus \" should '' not be notified. \n\nOn XX/XX/2019 the complainant filed an online dispute with TransUnion due to incorrect Chapter XXXX Bankruptcy filing reported by XXXX XXXX XXXX. A full description of the situation was provided in the dispute. \nDuring TransUnion 's investigation, they contacted XXXX, referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. \n\nOn XX/XX/2019 the TransUnion investigation determined that the reported Chapter XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. \n\nOn XX/XX/2019 complainant contacted XXXX and spoke with Customer Service Supervisor, XXXX ( employeXXXX ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a \" back office team '' who \" should '' report their findings directly to TransUnion and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a Chapter XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the TransUnion dispute claim in order to rectify the problem. \n\nOn XX/XX/2019 Complainant called TransUnion dispute office to challenge the dispute, offering to contact XXXX XXXX XXXX on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.","date_sent_to_company":"2019-03-29T23:11:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38671","tags":null,"has_narrative":true,"complaint_id":"3195958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-03-29T23:11:03.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2019 the TransUnion investigation determined that the reported Chapter XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[12.610675,"3195958"]},{"_index":"complaint-public-v1","_id":"9258095","_score":12.591834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"on XX/XX/XXXX XXXX contacted TransUnion -ref # XXXX XXXX was advised that another person has the same social security number as I do and this is reflecting on my credit report, they advised I contact the social security XXXX went to social security XX/XX/XXXX who froze online access to my social security number and advised me to correct the issue with TransUnion. I have frozen my credit XXXX XXXX and frozen my credit. I will be filing a police report and fraud affidavit. This is a mixed file with the other person and needs to be corrected.","date_sent_to_company":"2024-06-13T16:14:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33179","tags":null,"has_narrative":true,"complaint_id":"9258095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-13T15:50:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["on XX/XX/XXXX XXXX contacted TransUnion -ref # XXXX XXXX was advised that another person has the same social security number as I do and this is reflecting on my credit report, they advised I contact the social security XXXX went to social security XX/XX/XXXX who froze online access to my social security number and advised me to correct the issue with TransUnion. I have frozen my credit XXXX XXXX and frozen my credit. I will be filing a police report and fraud affidavit."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.591834,"9258095"]},{"_index":"complaint-public-v1","_id":"1951819","_score":12.590776,"_source":{"product":"Credit reporting","complaint_what_happened":"TransUnion did place a security freeze on my consumer report and did not charge a fee for doing so. \n\nHowever, on or about XXXX XXXX, 2016, I attempted to request a temporary lift of my Security Freeze in order to reactivate FICO score monitoring, which was blocked due to the freeze. I first attempted to temporarily lift the Security Freeze on the TransUnion website at ( http : //www.transunion.com/freeze ). I was taken to the \" Manage a State Security Freeze Online '' screen and asked to enter my Username and Password, which I did. I was then asked to confirm my current mailing address, which I did. After processing my information, I received the message, \" We are not able to complete your request. We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation.Once your dispute has been completed, your latest TransUnion Personal Credit Report, with the results of your dispute investigation, will be mailed to you. Please allow 5 to 7 days for postal mail delivery. '' First, I was not attempting to make a request to receive a copy of my credit report. Second, the fact that I have an open dispute with TransUnion about information contained in my file should not block me from temporarily lifting the security freeze which is in place. TransUnion is in violation of Nevada Revised Statute NRS 598C.350 [ Temporary release of consumer report upon request of consumer ], as the only requirements to temporarily release the freeze is that I provide sufficient identification to establish my identity, the PIN provided by TransUnion pursuant to NRS 598C.300 ( a ) ( 3 ). \n\nMy next attempt by calling the TransUnion automated voice response system at XXXX to temporarily remove the freeze. After entering my personal identification information ( SSN, DOB, address, etc. ) and my security freeze PIN, I was advised by the automated system that I would be charged a fee to have the security freeze temporarily lifted. \n\nAs I am a documented victim of identity theft, the information of which was previously provided to TransUnion and is available under the File Attachments here, pursuant to NRS 598C.320 ( 2 ) ( b ) [ Fees ], \" A reporting agency may not charge a consumer the fee set forth in subsection XXXX to place a security freeze in his or her file, to temporarily release his or her consumer report for a specific period or to a specific person, or to remove a security freeze from his or her file if : the consumer is a victim of identity theft and the consumer submits, at the time the security freeze is requested, a valid copy of a police report, investigative report or complaint which the consumer has filed with a law enforcement agency regarding the unlawful use of the personal information of the consumer by another person. '' Said simply, TransUnion can not require me to pay a fee to temporarily lift the security freeze and are in violation of NRS 598C.320 ( 2 ) ( b ) for attempting to charge me a fee to do so. From its own website ( http : //www.transunion.com/credit-freeze/place-credit-freeze ), it states that for citizens of the State of Nevada who are Victims of Identity Theft, the fee to Add, Lift, or Remove a security freeze are correspondingly Free, Free, and Free. TransUnion can not, by statute, impose a fee for lifting the freeze while charging no fee for adding or removing one.","date_sent_to_company":"2016-06-02T11:26:47.000Z","issue":"Credit monitoring or identity protection","sub_product":null,"zip_code":"89052","tags":null,"has_narrative":true,"complaint_id":"1951819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-06-02T11:26:45.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fraud alerts"},"highlight":{"complaint_what_happened":["TransUnion did place a security freeze on my consumer report and did not charge a fee for doing so. \n\nHowever, on or about XXXX XXXX, 2016, I attempted to request a temporary lift of my Security Freeze in order to reactivate FICO score monitoring, which was blocked due to the freeze. I first attempted to temporarily lift the Security Freeze on the TransUnion website at ( http : //www.transunion.com/freeze )."],"product":["Credit reporting"],"issue":["Credit monitoring or identity protection"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."]},"sort":[12.590776,"1951819"]},{"_index":"complaint-public-v1","_id":"1454810","_score":12.578638,"_source":{"product":"Credit reporting","complaint_what_happened":"I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile.","date_sent_to_company":"2015-07-07T16:56:13.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"60645","tags":null,"has_narrative":true,"complaint_id":"1454810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-07-07T16:56:12.000Z","state":"IL","company_public_response":"Company chooses not to provide a public response","sub_issue":"Public record"},"highlight":{"complaint_what_happened":["How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX."],"product":["Credit reporting"],"issue":["Incorrect information on credit report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."]},"sort":[12.578638,"1454810"]},{"_index":"complaint-public-v1","_id":"6859572","_score":12.568432,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX, the social security administration changed my social security number from XXXX to XXXX after someone fraudulently applied for Coronavirus related unemployment in several states where I've never worked or lived. I notified XXXX, TransUnion and XXXX of this and asked to have my social security number changed on my credit report. \n\nI was also the victim of a violent felony assault which was another major factor in SSA 's decision to change my SSN. \n\nXXXX responded stating that they updated my report to reflect my new social security number not there are multiple credit files listed under my new and social security number. XXXX has at least 2 credit files listed under my name and new social security number. \n\nXXXX responded inappropriately and did not update my credit report with my new social security number. XXXX has at least 2 credit files under my name with my old SSN on one and my new SSN on the other. \n\nTransUnion responded stating that they updated my report to reflect my new social security number but there is two separate credit files. Like XXXX, one under my old SSN and one under my new SSN. \n\nI have excellent credit and have now been denied credit yesterday because of this serious issue. \n\nSocial Security stated to me that they do not issue any notice to someone who was issued as a new SSN as a security precaution.","date_sent_to_company":"2023-04-19T08:50:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10003","tags":"Servicemember","has_narrative":true,"complaint_id":"6859572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-19T08:50:45.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In XXXX, the social security administration changed my social security number from XXXX to XXXX after someone fraudulently applied for Coronavirus related unemployment in several states where I've never worked or lived. I notified XXXX, TransUnion and XXXX of this and asked to have my social security number changed on my credit report. \n\nI was also the victim of a violent felony assault which was another major factor in SSA 's decision to change my SSN."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[12.568432,"6859572"]},{"_index":"complaint-public-v1","_id":"7486586","_score":12.513073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are specific outlines, laws and procedures that govern Credit Reporting Agencies, which is what TransUnion is.\n\nAfter 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] Information can be found on how a credit reporting agency is supposed to behave under the law, including maintaining security freezes placed by the consumer and also the maintenance of a properly working webpage for consumers to use. \nPlease review this information as TransUnion has broken many of these laws in my case, including continuing to choose to report fraudulent information on my credit report despite being notified multiple times, failure to maintain my credit freeze in XXXX XXXX XXXX ( U.S.C. 1681c-1 ( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ) allowing a fraudulent loan to be placed on my credit report. \n\nAnd lastly, not maintaining a functioning webpage as outlined in the FCRA 605A - 15 U.S.C. 1681c-1 ( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\nCurrently, right now, TransUnion 's webpage/website is inoperable. It does not function to the standard set for CRAs in the law. \nTransUnion unfroze my credit in XXXX XXXX XXXX. I did not request my credit be unfrozen. That is why both XXXX and XXXX have no record of this fraudulent loan. \nI did not authorize this. That goes against the laws that oversee TransUnion. \nRemove the fraudulent items from my credit report with TransUnion. This includes the loan and inquiries by Dividend Finance. \nTransUnion was made aware of this error. Their website was not functioning at all this year, but I found ways to reach out to them including emails, contact via XXXX ( which no longer works either ), and handwriting letters to them to let them know they have this security issue and my credit had become unfrozen without my consent- allowing a fraudulent loan to be placed on ( only ) my TransUnion report by using identity theft via a forged XXXX document. \nDespite being informed of this, multiple times, TransUnion sided with the fraud. Even though they had been notified by myself, the consumer, that my credit was supposed to be frozen at the time, I did not sign the loan document, and I never even received the product/service the loan was for. \nTransUnion chose to keep reporting the fraud and keep placing the item from identity theft on my TransUnion report. \nThey have done this now four times. \nTransUnion is not a reputable company and they do not follow the laws that govern Credit Reporting Agencies.","date_sent_to_company":"2023-09-02T01:23:59.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"32606","tags":"Servicemember","has_narrative":true,"complaint_id":"7486586","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-02T00:59:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please review this information as TransUnion has broken many of these laws in my case, including continuing to choose to report fraudulent information on my credit report despite being notified multiple times, failure to maintain my credit freeze in XXXX XXXX XXXX ( U.S.C. 1681c-1 ( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with fraud alerts or security freezes"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.513073,"7486586"]},{"_index":"complaint-public-v1","_id":"8931918","_score":12.477041,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. \n\nMy credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2. I duly disputed the inaccuracies with Transunion, providing comprehensive and accurate account details for verification. \n3. Following an investigation, Transunion purportedly affirmed the accuracy of the disputed information, disregarding the me providing accurate account details. \n4. Transunion persist in collecting securities based on the inaccurate information, causing harm and inconvenience to the Plaintiff. \n\nTransunion Consumer Solutions and Transunion LLC are in Violation of the Uniform Consumer Credit Code ( UCCC ) : They refusal to rectify the inaccuracies in the credit report despite being provided with accurate information constitutes a violation of the UCCC. The Plaintiff has the right to expect accurate credit reporting under this code. \n\nTransunion Consumer Solutions and Transunion LLC have violated the UCCC by persisting in collecting securities on a credit report containing inaccuracies, despite being provided with accurate information.","date_sent_to_company":"2024-05-05T08:20:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"8931918","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-05T08:20:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. \n\nMy credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.477041,"8931918"]},{"_index":"complaint-public-v1","_id":"8931844","_score":12.477041,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. \n\nMy credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2. I duly disputed the inaccuracies with Transunion, providing comprehensive and accurate account details for verification. \n3. Following an investigation, Transunion purportedly affirmed the accuracy of the disputed information, disregarding the me providing accurate account details.\n\n4. Transunion persist in collecting securities based on the inaccurate information, causing harm and inconvenience to the Plaintiff. \n\nTransunion Consumer Solutions and Transunion LLC are in Violation of the Uniform Consumer Credit Code ( UCCC ) : They refusal to rectify the inaccuracies in the credit report despite being provided with accurate information constitutes a violation of the UCCC. The Plaintiff has the right to expect accurate credit reporting under this code.\n\nTransunion Consumer Solutions and Transunion LLC have violated the UCCC by persisting in collecting securities on a credit report containing inaccuracies, despite being provided with accurate information.","date_sent_to_company":"2024-05-05T08:20:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"8931844","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-05T08:09:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. \n\nMy credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.477041,"8931844"]},{"_index":"complaint-public-v1","_id":"8049588","_score":12.44336,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've made several phone calls, and mail request to TransUnion to resolve issues with wrong information, ie ; names, addresses, Collections, Freezes, viewing my credit report, and TransUnion failed to resolve these issues. I believe to be retaliated upon due to me reporting various improper use of my credit report via my CFPB complaint number XXXX. \n\nSubsequently, I'm having this issue concerning some type of technical issue with TransUnion 's system. Your system will not allow me to access my any of my personal or credit information or allow me to Unfreeze my credit report. TransUnion states that proper authentication was not verified which has cause me major interruptions and delays in conducting critical personal business. I've made several attempts to resolve this issue over the phone with TransUnion agents, supervisors, managers, and the Tech department and no one can help fix this issue. Several issue tickets have been reported by TransUnion agents or Tech team to resolve issues I'm having with accessing my credit report, freezing/unfreezing my credit report, requesting freeze/unfreeze via online thru my TransUnion account system for weeks and no results or issues resolve on TransUnion 's part. I am also unable to request my TransUnion free credit report via XXXX due to these issues. For weeks now, no one has reach back out to me, or resolved this issue, again, after several requests. TransUnion seems to have been sued for these similar issues per the below docket number information. \n\n\nPer Docket number XXXX XX/XX/XXXX, the Bureau issued an order against TransUnion, parent company of XXXX of the XXXX nationwide consumer reporting agencies, and XXXX of its subsidiaries, Trans Union LLC, and TransUnion XXXX, XXXX ( collectively , TransUnion ), which are headquartered in XXXX, Illinois. Security freezes and locks block certain third parties, such as lenders, from accessing consumers credit reports to prevent a potential identity thief from obtaining new credit in those consumers names. Consumers can remove or lift security freezes upon request to, for example, apply for credit. Starting in XX/XX/XXXX, Federal law has required nationwide consumer reporting agencies to provide security freezes as a free service, whereas locks are a feature of certain paid products. The Bureau found that TransUnion, from as early as XXXX, failed to timely place or remove security freezes and locks on the credit reports of tens of thousands of consumers who requested them, including certain vulnerable consumers ; in some cases, those requests were left unmet for months or years. The Bureau found TransUnions failure to place or remove security freezes in a timely manner occurred as a result of problems, including systems issues, that TransUnion knew about but failed to address for years. The Bureau found that TransUnions failure to place or remove security freezes in a timely manner violated the Fair Credit Reporting Act ( FCRA ), and TransUnions failure to place or remove both security freezes and locks in a timely manner was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). Further, the Bureau found that TransUnion engaged in deceptive acts and practices by falsely telling certain consumers that their requests had been successful when they had not. In addition, the Bureau found that from about XXXX to XXXX, TransUnion failed to exclude certain consumers, including XXXX military and other potential victims of identity theft, from prescreened solicitation lists in violation of FCRA. The Bureaus order requires TransUnion to pay {$3.00} XXXX to consumers in redress and {$5.00} XXXX in civil penalties. TransUnion must also take steps to address and prevent unlawful conduct, including convening a committee to identify and solve technical and systems problems that can affect consumers.","date_sent_to_company":"2023-12-22T17:34:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"8049588","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-22T16:44:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Several issue tickets have been reported by TransUnion agents or Tech team to resolve issues I'm having with accessing my credit report, freezing/unfreezing my credit report, requesting freeze/unfreeze via online thru my TransUnion account system for weeks and no results or issues resolve on TransUnion 's part. I am also unable to request my TransUnion free credit report via XXXX due to these issues."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with fraud alerts or security freezes"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.44336,"8049588"]},{"_index":"complaint-public-v1","_id":"2761922","_score":12.4273205,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify that I was not, in fact, XXXX. The Social Security Administration issued me an Erroneous XXXX Letter and advised that I submit this letter to various credit reporting agencies and financial institutions to unfreeze my accounts and correct my credit report. The Social Security Administration made me aware yesterday ( XXXX XXXX, XXXX ) that the information had been corrected in their system and no agencies or cards should have any reason to list me as XXXX. \n\nIn order to have the incorrect information removed from my credit report, TransUnion asked me to fax them the Erroneous XXXX Letter from the Social Security Administration, which I did promptly on XXXX XXXX, XXXX. On at least two separate calls to TransUnion I spoke to employees named XXXX and XXXX who each advised me that they could neither confirm receipt of the fax nor help me understand the steps I needed to take to remove this false information from my report. XXXX specifically told me ( and repeated multiple times ) that she had \" no idea '' how her agency receives information related to Social Security information and that there was no way they could refresh their information to reflect the most updated information from the Social Security Administration ( where the issue has since been corrected ). She also advised me there was no other supervisor I could talk to about the issue. \n\nGiven this erroneous XXXX note will make me unable to obtain credit and that this error was unrelated to any prior actions I had taken, I would like an expedient route to have the error corrected in TransUnion 's system.","date_sent_to_company":"2017-12-21T15:53:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"904XX","tags":null,"has_narrative":true,"complaint_id":"2761922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-21T15:32:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify that I was not, in fact, XXXX."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.4273205,"2761922"]},{"_index":"complaint-public-v1","_id":"1763860","_score":12.425662,"_source":{"product":"Credit reporting","complaint_what_happened":"On XXXX XXXX 2015, I received a letter from the XXXX XXXX XXXX XXXX stating that my personal information had been compromised in a cyberattack. As a preventative measure, I placed security freezes on my credit reports at all XXXX agencies around the date of XXXX XXXX 2015. I checked my credit score at TransUnion online, the last credit reporting agency on my list. In a hurry to complete my list, I accidentally signed up for a \" credit lock product '' on the TransUnion website. It was unclear until a month later as I was reviewing my credit card statement that this monitoring service cost $ XXXX/mo. Attempting to turn off the service via the their phone help line and online terminals was unnecessarily complicated, taking no less than an hour and a half of my time on the phone after several failed attempts to cancel the service online. After that, I was instructed to call the automated security freeze phone line to place a security freeze on my credit report. Again, I tried via their online terminal and automated security freeze line to place a security freeze on my credit report, I was unsuccessful after repeated attempts. Shortly thereafter, I wrote the TransUnion fraud department a letter ( see attached ), requesting a freeze be placed on my account and furnishing all the information necessary to do so. They sent a form letter and a \" security freeze request form '' in response, which I am filling out and returning today. In comparison to my experience with the other credit reporting agencies, the process I endured attempting to place a security freeze on my credit report with TransUnion was downright onerous. Their customer service was n't helpful. Their description of their \" credit lock product '' was unclear and misleading. The monitoring service was very difficult to cancel. Their website and automated help line failed with every attempt I made to place a freeze on my report. It was nothing short of a great, big hassle and six weeks later, I still have not achieved my relatively simple goal.","date_sent_to_company":"2016-01-29T15:35:34.000Z","issue":"Credit monitoring or identity protection","sub_product":null,"zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"1763860","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-01-29T15:35:34.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem cancelling or closing account"},"highlight":{"complaint_what_happened":["On XXXX XXXX 2015, I received a letter from the XXXX XXXX XXXX XXXX stating that my personal information had been compromised in a cyberattack. As a preventative measure, I placed security freezes on my credit reports at all XXXX agencies around the date of XXXX XXXX 2015. I checked my credit score at TransUnion online, the last credit reporting agency on my list. In a hurry to complete my list, I accidentally signed up for a \" credit lock product '' on the TransUnion website."],"product":["Credit reporting"],"issue":["Credit monitoring or identity protection"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."]},"sort":[12.425662,"1763860"]},{"_index":"complaint-public-v1","_id":"15590905","_score":12.399283,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is a \" deceased indicator '' on your TransUnion credit file. This means the Social Security number that you provided has been reported by the Social Security Administration or a lender as \" Deceased ''. To fix this, you will need to call TransUnion at XXXX to get more information.","date_sent_to_company":"2025-08-28T11:22:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91206","tags":null,"has_narrative":true,"complaint_id":"15590905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-28T11:17:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["There is a \" deceased indicator '' on your TransUnion credit file. This means the Social Security number that you provided has been reported by the Social Security Administration or a lender as \" Deceased ''. To fix this, you will need to call TransUnion at XXXX to get more information."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.399283,"15590905"]},{"_index":"complaint-public-v1","_id":"15590817","_score":12.399283,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is a \" deceased indicator '' on your TransUnion credit file. This means the Social Security number that you provided has been reported by the Social Security Administration or a lender as \" Deceased ''. 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To fix this, you will need to call TransUnion at XXXX to get more information."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["TRANSUNION INTERMEDIATE HOLDINGS, INC."],"sub_product":["Credit reporting"]},"sort":[12.399283,"15590817"]},{"_index":"complaint-public-v1","_id":"4131899","_score":12.39121,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. Transunion claimed to have fixed the problem and on XX/XX/2021 sent me a new credit report, which while including the extended fraud alert, was now missing my security freeze. As information that should have been in my credit report now appeared to be missing, I also decided to pull another copy of my Transunion credit report on XX/XX/2021. The XX/XX/2021 report was once again missing my extended fraud alert, which Transunion previously claimed to fix. It appears Transunion did not properly fix the report. My report should include three credit report messages : an extended fraud alert security alert, a security freeze, and a promotional opt out. The last three Transunion reports I have pulled have only included 2 out of the 3 messages.","date_sent_to_company":"2021-02-11T08:57:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"4131899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-11T03:44:48.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. 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I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.","date_sent_to_company":"2017-10-23T21:20:56.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22153","tags":"Servicemember","has_narrative":true,"complaint_id":"2709454","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-23T20:34:38.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. 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