Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Every time I send a dispute letter to transunion they send me this letter. ( I will upload the letter ) I believe this to be a stall tactic on Transunion part to grant them an additional 30 days to comply my original request, but I believe it to be a blatant violation of the FCRA. I questioned the accuracy of a few items on my credit reports, this was send by certified mail XXXX XXXXXXXX XXXX XXXX XXXX XXXX. It appears obvious to me that Transunion is abusing their power under the FCRA to escape a complete investigation. 

Here again is the inaccurate information being reported : XXXX. XXXX Account Number : XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I AM PLACING YOU ON NOTICE THAT THIS ACCOUNT IS INACCURATE. 

XXXX. XXXX XXXX Account Number : XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I AM PLACING YOU ON NOTICE THAT THIS ACCOUNT IS INACCURATE. 

XXXX. XXXX XXXX Account Number : XXXX - METHOD OF VALIDATION. How are validation this account as accurate when it is reporting a balance and 120 days late on a charge off. Delete this Account. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 

2. The date you contacted the individual funishers of information. 

XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

Please take notice that this letter dated XX/XX/XXXX  is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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