Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX/XXXX/XXXX TransUnion XXXX Department XXXX. Box XXXX XXXX, PA XXXX XXXX : FRIVOLOUS LETTER REJECTION Report # XXXX To Whom It XXXX Concern : I am in receipt of your letter stating that my dispute of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section XXXX [ XXXX XXXX XXXX ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Additionally, there has been no communication to me from the companies party to the disputes, which is a predictable result of this process Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CC : FTC XXXX Electronic Filing ) XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX Department XXXX. Box XXXX XXXX, PA XXXX XXXX/XXXX/XXXX XXXX : FILE # XXXX To TransUnion Escalation Department : We are a credit advocate company representing the above client. We are baffled at your request to be more specific than we have been We have contacted the following company / companies reporting to our clients credit file and according to them, there has been no communication noted from TransUnion regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] paragraph ( XXXX ) ( B ) ( XXXX ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; WE FULLY UNDERSTAND THAT YOU RELY ON THE VAST MAJORITY ON DISPUTES NOT GOING AS FAR AS COURT, YOU ARE MISTAKEN REGARDING US We are CLEARLY requesting a description of the procedure used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). We have sent this same request on behalf of hundreds of clients with no issues, this seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX XXXX CRD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX/XXXX/XXXX {$140.00} XXXX XXXX XXXX CO AK XXXX XXXX XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$700.00} INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX AUTO XXXX/XXXX/XXXX XXXX XXXX FOR XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX SUB XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX I XXXX/XXXX/XXXX How is TransUnion able to XXXX XXXX items when other agencies can not? 

XXXX. Administrative enforcement [ XXXX U.S.C. XXXX ] ( a XXXX XXXX by Federal Trade Commission. 
( XXXX ) Penalties ( A XXXX Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission XXXX commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please sent me a complete updated copy of the credit report. 

The clients contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

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