I called XXXX on XXXX XXXX, 2015 at XXXX. I asked the rep to provide all accounts appearing on my credit report to check for accuracy. He told me repeatedly that my report had not been updated since XXXX XXXX, 2015. He then insisted that I must pay for the monitoring service to " refresh '' my credit report. He stated that the FCRA does not allow them to change accounts and/or information on my credit report " without paying. '' He even stated that TransUnion could n't guarantee the accuracy of my credit report unless I paid for the monitoring service they offer. I was appalled that TransUnion would make such an unlawful assertion. That is kin to extortion, and at the very least unfair business practices in violation of the FCRA.