Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This the XXXX time Transunoin has send me this letter. 

Re : Notice of Disagreement and Request for Continued Investigation To Whom It May Concern, I am writing to express my profound concerns regarding the content and implications of the recent communication I received from your organization on XXXX XXXX XXXX XXXX, in response to my dispute of inaccurate information present on my credit reports. The referenced communication suggests that you have prematurely ceased your investigation, attributing this decision to your perception that a third-party credit repair agency is involved in my dispute. I wish to clarify, in no uncertain terms, that this assertion is both inaccurate and, more importantly, raises serious concerns of procedural non-compliance under the Fair Credit Reporting Act ( FCRA ). 

It is imperative to clarify that, I personally initiated communication with your organization via certified mail, a copy of which is enclosed for your reference. The purpose of my communication was to formally question the accuracy of certain items on my credit reports. I emphasize that this correspondence was composed, initiated, and transmitted exclusively by me, without any involvement whatsoever from a third-party agency. Therefore, any claim suggesting the involvement of an external entity is fundamentally flawed and an unjustifiable pretext to delay my legitimate request for a comprehensive investigation. 

It is my firm belief that the reliance on this pretext reflects an attempt to circumvent the due process mandated by the FCRA, which dictates a thorough and timely investigation of consumer disputes. Your apparent cessation of the investigation under the guise of third-party involvement raises significant concerns regarding compliance with the FCRA 's fundamental principles. 

To reiterate, the disputed items I have brought to your attention are as follows : XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Furthermore, I wish to clarify that no legal basis exists that precludes a consumer from engaging a third-party agency for assistance in managing their credit-related matters. In fact, the United States Congress has expressly acknowledged the complexities of this process by affording consumers the right to seek representation if desired. Accordingly, your reference to a third-party agency 's involvement is both unwarranted and inappropriate, indicative of a regrettable misunderstanding of established legal provisions. 

Given the seriousness of this matter and its implications on my rights as a consumer protected by the FCRA, I hereby reserve the right to pursue legal recourse for potential violations of the Act. I am confident that a thorough examination of your practices will reveal a failure to adhere to reasonable measures necessary to ensure the accuracy of my credit reports, exacerbated by the apparent intent to delay and obfuscate. 

Please be advised that this letter serves as formal notice that I unequivocally request the continuation of the original investigation process, as initially requested by me. I anticipate receiving the results of this investigation within 15 days of this correspondence, in compliance with my statutory rights. I must stress that this request is non-negotiable and not subject to any extension beyond the stipulated timeframe. 

I am disappointed by the assertion you have made and the resultant delay it has caused. Rest assured, I have meticulously reviewed my rights in connection with my credit file, which fortifies my resolve to expedite this investigation with the utmost urgency.

Kindly expedite the resumption of my original investigation request forthwith. Failure to comply with this formal notice may necessitate my initiation of appropriate legal action, thereby vindicating my rights and preserving the integrity of the consumer protections afforded by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation