Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
NOTICE OF DISPUTE I've tried several times to settle this with TRANS UNION and .TRANS UNION has done nothing except stall. They earlier said that the accounts had been validated. I am requesting once more that TRANS UNION supply me with documents proving that I am LEGALLY OBLIGATED to pay this supposed debt. TRANS UNION has received identity information many times. Please be mindful that this is causing financial difficulty. Failure to reply in a legal and lawful manner will result in additional proceedings. Failure to react within 14 calendar days will be taken as your acceptance that this debt is illegitimate. Please validate and give proof that I am " LEGALLY OBLIGATED '' to pay these supposed obligations. " HAVE BEEN VERIFIED '' is a straightforward response Respectfully delete the following immediately.XXXX XXXX account # XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX I am writing to express my concern regarding the apparent delays in the processing of consumer disputes and challenges by the credit bureaus. It has come to my attention that you may be intentionally delaying the processing of letters from consumers who choose to work with third-party entities, such as credit repair companies. I would like to remind you that such delays are not only unacceptable but also illegal. 

As consumers, we have the right to engage the services of third-party entities to assist us in navigating the credit reporting system. Your attempt to delay the processing of our letters based on the assumption of third-party involvement has no legal basis and is a violation of our rights. 

I would like to make it clear that all letters sent by me or on my behalf have been created using applicable Consumer laweand regulations available to all consumers. This serves as formal notice that any delay in the processing of my letters would be a violation of 15 U.S. Code 1681i, which outlines the procedure for investigating a consumer 's reasonable dispute by a Consumer Reporting Agency. It also provides exceptions to the investigation process. Any delay without a valid legal exception would be considered a willful disregard of my rights as a consumer and will be brought to the attention of my attorney for further legal action. 
Please be aware that no statute in the Fair Credit Reporting Act ( FCRA ) suggests that a Power of Attorney must be provided to credit bureaus. Furthermore, the lack of such documentation does not give you the authority to delay the processing of consumer letters. I expect that you will abide by the provisions of the FCRA and promptly investigate any disputes or challenges I submit, without unwarranted delays. 
This notice serves as a warning and a request for compliance. It is my expectation that you will fulfill your legal obligations under the FCRA and process all consumer letters in a timely manner, regardless of any unfounded assumptions regarding third-party assistance. 
I demand a written response within the statutory time frame of 30 days, as required by the FCRA, acknowledging receipt of this letter and providing assurance that my future correspondence will be handled in accordance with the law. Failure to comply with this request will be viewed as a deliberate violation of my rights, and I will not hesitate to take appropriate legal action to protect my interests. 
Please treat this matter with the urgency and seriousness it deserves.

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 non-monetary relief