I have repeatedly been denied access to my free annual credit report by Trans Union. Several calls to multiple Trans Union customer service help lines have not fixed this issue. Trans Union claims that they do not have a record of me when I attempt to obtain my free credit report, both through XXXX and Trans Union 's own website. However, Trans Union is willing to provide me with a credit report and credit score if I submit a payment of {$12.00}. Neither my name nor social security number have ever changed, and my address has remained the same for more than three years, minimum. I received my free annual credit reports from both XXXX and XXXX without incident. My XXXX XXXX credit card account is able to access some aspects of my Trans Union credit report, which indicates that Trans Union has erroneous information about my credit history that is having a detrimental effect on my credit score and status, resulting in financial damages incurred by myself. I need to correct this erroneous information, but I can not do so without a full record of my credit report. I have tried repeatedly to fix this issue with Trans Union over the phone. I have taken all actions requested and correctly answered all questions asked of me. However, Trans Union has refused, either through maliciousness or though incompetence, to provide me with my free annual credit report as required by federal law. I ask that the Bureau of Consumer Financial Protection intervene to both correct this issue on my behalf and to also secure the payment of compensatory and punitive funds from Trans Union as allowed by law. 
