Consumer complaint received 2020-08-18
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: Was not notified of investigation status or results

Complaint:
I am re-filing a complaint against Trans Union. I find it very hypocritical of them to try and tell me something along the lines of congratulating me for communicating with them but refusing to do any work because its easy for me to do it on my own without hiring a third party. Because they believe disputes came from a third party they won't do any work and then they go on to lecture me about how its illegal to misrepresent my credit, or disputes or, anything else they stated. below is proof as it comes directly from their response to my first complaint. 

If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. Its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion report at transunion.com/repair  letter. If youve hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. 

Is it illegal for them to find an informed consumer? Is it so hard to believe some of us have been in the credit and collections industry and simply know what we are talking about? With all this knowledge online, XXXX videos, XXXX XXXX, your own website, and numerous other platforms, anybody who knows how to do a XXXX search will learn what the credit bureaus can and can not do. Do I have to lecture them about how it is illegal for them to ignore my disputes and not address them in 30 days upon receipt? They are not even addressing my complaint through your website under the pretense that they are " concerned '' it didn't come from me. They even go as far as to say its " easy '' to file a dispute. If it was so " easy '' why didn't they address my written dispute to them? Why are they not addressing this complaint with investigations? Their preferred method of having me dispute with their agency is not my concern. I will now lecture them and let them know this will be my third and final time I attempt to have them correct their records of me before I have to draft a complaint at my local court. Here is a lecture from me to them about the legality of their role in a dispute process. By the way, I got this by looking up the F.T.C. 's  website, reviewing the F.C.R.A. revised XX/XX/2018 edition, and copying and pasting the law on this complaint. Again, a simple XXXX search did this for me. Trans Union 's opinions on how I should proceed with a dispute are of no concern to me. 
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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