I have been denied credit on many occasions and have requested a copy of my Transunion credit report and have yet to receive XXXX. This issue has been going on for the last two or three years. I have never given any creditor or credit reporting agency no other address but the one I have lived @ for over thirteen years. I have notice every time a creditor request a copy of my files it is granted. I have even tried online to access my files, as I did today XXXX/XXXX/15, but was denied saying I have an on going dispute and ca n't access my files until the investigation is over. That dispute came through XXXX and I was only able to dispute XXXX item. I need full access to my files that I may be able to dispute all files that are incorrect. I was denied credit by XXXX banks over the last two days. Why ca n't I access my files? What sense does that make?. I have joined many free credit monitoring services just to see my files and credit score. The other major credit reporting agencies give access why ca n't Transunion. Please help me solve this issue. Thanks XXXX