Consumer complaint received 2022-07-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a certified U.S. Postal Service # XXXX dispute/challenge letter to Transunion on XX/XX/2022 and envelope was received on XX/XX/2022. I checked online, XX/XX/2022 to confirm if dispute/challenge was received, but was told by Representative on XX/XX/2022 that my dispute was not processed and they sent letter ( that I have not received ) saying that they would not process my dispute because they accused me of using a third-party and that I had to verify what I disputed. Supervisor told me that I would have to open a new dispute over the phone with him and I told him absolutely not. I wanted him to process the ORIGINAL dispute/challenge letter that they received on XX/XX/2022 instead. He refused! I told him that he was very RUDE and not helpful and that I sent the letters personally and NOT thru a third-party, but he REFUSED to process the original letter dated, XX/XX/2022. 

So I am DEMANDING that you process the attached dispute/challenge dated on XX/XX/2022 and I expect a FULL INVESTIGATION an update NO LATER than XX/XX/2022! 

SEE BELOW NOTICE : Notice of Warning For Any Delay In Processing by TRANSUNION To Whom It May Concern, I am aware of your attempts to delay the processing of many consumers disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is ILLEGAL, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those disputes and challenges.

However, let me make it clear that my letters were created using applicable software and regulations available to all consumers, and that this is your notice that any delay in the processing of my letters is violation of 15 U.S. Code 1681i, which sets forth the procedure in which a Credit Reporting Agency must investigate a consumers reasonable dispute, and lists out exceptions, and will be considered a willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is not such exception that would legally allow you to delay the processing of a consumers disputes to you based on an unfounded assumption that assistance from a third-party exists.

Please be advised that any and all letters and disputes you receive bearing my name have been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware no statue in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of my disputes to you! 

Regards, XXXX XXXX SEE ATTACHED PHOTO ID AND PROOF OF ADDRESS

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