Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I recently wrote you and this bureau of inaccurate/incorrect information on my report no changes have made thus far. On XX/XX/2022, I wrote Transunion asking for them to do the following : On XX/XX/2022 I sent the following dispute letter : To Whom It May Concern, This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. Any dates that you contacted said furnisher of information is also requested to be included in your response. We recently advised you that the below information was inaccurate or incorrect and stated that it has been verified. Thus, were now kindly asking that you provide the furnisher of said information that you contacted in connections with this reinvestigation please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX Case # XXXX Please remove from my credit report. 
================================================================ I have further advised them in my new dispute that was sent to them certified letter of the following ( also included in the attachment ) : This letter is a final complaint, in an attempt to get you to comply with the FCRA laws, rules, regulations and guidelines. XXXX advising you that you are continuing to report inaccurate and incomplete credit information. Because of your actions, XXXX in a tizzy, since you persist on including the above information in my credit profile and have unavailingly assisted in reasonable procedures to satisfy any possible accuracy in the credit reports you publish. ================================================================ I must say that I am in awe that it appears the when complaints are filed against these CRA 's that they seem to think they can just give some quick response that they will respond directly to the individual filing complaint so they can close the case. Without any consequences or follow-up from the CFPB. It's stated that part of the CFPB 's consumer responsibility is : We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. -- -with that in mind these bureaus should be under more scrutiny than what have been. I've been hearing about how the CFPB will shut-down, file lawsuits, etc, against Credit Repair XXXX XXXX credit monitoring agencies, but somehow it seems to fail us when it comes to the CRA 's XXXX I'm baffled at that this behavior is allowed to continue when you're supposed to be in the business of protecting your consumers. As mentioned in my statement in this new/recent dispute to Transunion, XXXX " XXXX a bit confused at this point. Your statement says that but it didnt appear that you or a properly authorized third party sent it to us. - I would think being that this letter is nice and long, you would XXXX that its coming directly from me. I dont have the time, nor will I take the time to handwrite out these disputes. XXXX. Its very legal, as you know to dispute items on your credit report, XXXX. It is very legal to use a XXXX party if we so choose, XXXX. It is very legal for us to have those letters mailed to you directly from the XXXX service or via an online mailing system. All of what you say is being used as a stall tactic as your arguments are not valid. There are no laws against either of the things you have mentioned. Yet your credit bureaus keep going with your stall tactics because so far, youve been allowed to do so. It is clear you are trying to put credit repair agencies out of business because you dont wish people to know the truth, it seems youre not for the people as you so claim. If you were, you would remove the inaccurate information pronto without making us, go through repeat performance of writing dispute letters over and over and over. Thus, it is clear to me and the public what youre doing here. Youre aware that many people are taking their credit files very seriously and have been working on them more so now than at any other time, so you guys are trying to use every stall tactic in the book without any regards for the FCRA laws. In filing a complaint with the CFPB, multiple times, you know that you can just respond and have case closed and so far, CFPB has done nothing to make you obey the laws, so you continue with these stall tactics. CFPB is there to ensure all consumers are being treated fairly and not allow such behavior to continue. You guys will attempt to sue, go after, and put down legal organizations trying to help people make a better life for themselves. Yet you continue to put disparaging information in your reply about credit repair companies because if you can keep inaccurate information on someones file the better for your organization. If youre going to disparage an organization, ensure that its illegal for them to be operating such a business please. " -- -- - In closing, I ask that you, CFPB, make these CRA 's to obey the FCRA 's laws and not just allow them to acknowledge the complaint and then say they'll be in touch with us and close the case only to come back with stall tactics with some bogus explanation about using some credit report agency, which isn't illegal, albeit, I'm doing this myself as you can see I'm very through and long winded here. This make no sense that I have to continue to file complaints when they can just obey the FCRA 's guidelines. It's a well known fact that is easily Googleable, that the CRA 's use these stall tactics which means they are in no way for helping the people at all. I can only pray that you won't be a participant in their process by not continuing to allow them to get away with these actions. The law is the law and they too need to be made to keep it and not disobey/break/ignore it, causing hardship to the consumer. This is unfair and unjust behavior. Please go after them they way you have been going after these credit repair agencies. It's only fair, right??? Treat them all the same, to make them obey the LAWS of FCRA. And clearly they are stalling now that I've asked for them to verify how they got the supplier of that information and how they came about it, etc. None of what I asked for was supplied, rather I got a response of " it doesn't appear that you wrote this dispute letter and that you XXXX be working with a credit repair agency. '' Wow! Unbelievable. But from my research this doesn't appear to be anything new to the industry. The public has been aware of such stall tactics for many years now and now it's still continuing. It's like the laws are there but then when you ask for the laws to be following immediately they work hard to do everything in their power to continue to break the law ... ..I petition you to not allow this behavior to continue. I have sent multiple dispute letters to the CRA and also to CFPB. They apparently don't care if you report them because it seems they think there will be no consequences. It looks really bad to have a reputation to not follow the laws of the FCRA that were put there to supposedly protect the consumers of XXXX. Please make the provide all of the verification information that I requested in my XX/XX/2022 dispute letter and if they can't provide the valid/undisputable information that I requested in full, then they must delete that information from my report immediately being that I've been asking for months now since middle of last year for this to be genuinely, accurately verified and if not remove from my report yet they stall and the inaccurate information remains on my report. I must say I've already had XXXX success with XXXX of the bureaus and they removed the information, now I'm waiting on this XXXX to do the same but they seem to enjoy stalling and playing games. Please have them to fully obey the laws of FCRA no more stall tactics.

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