Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern at XXXX, XXXX and Transunion, I am writing to express my deep concern over XXXX, XXXX, Transunion furthermore known as " the XXXX bureaus '' failure to investigate my mailed-in disputes, resulting in a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have received a response letter from " the XXXX bureaus '' indicating that my mailed-in dispute request " does not appear to have been sent directly by [ me ] or to be authorized by [ me ], '' which is not only inaccurate but also constitutes a failure to investigate my disputes as required by the FCRA. 
Let me be clear : I have never used a credit repair company or any third party to submit disputes on my behalf. I am the sole author and sender of each dispute I submit to " the XXXX bureaus '', and I have provided notarized documentation along with identification to prove my identity. There should be no ambiguity regarding the legitimacy of my mailed-in disputes. 
According to FCRA 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their credit report, the credit reporting agency must conduct a free reinvestigation to determine whether the disputed information is inaccurate. " The XXXX bureaus '' refusal to investigate my mailed-in disputes on the grounds that they " do not appear to have been sent directly by [ me ] '' is a clear violation of this provision. 
" The XXXX bureaus '' ongoing practice of sending letters that delay the investigation process by questioning the authenticity of my disputes is unacceptable and constitutes a significant breach of my rights under the FCRA. By failing to conduct a timely and thorough investigation into my disputes, " the XXXX bureaus '' is causing unnecessary delays, which impacts my creditworthiness and financial well-being. 
I demand that " the XXXX bureaus '' promptly address this issue by : XXXX. Opening and investigating every mailed-in dispute that I submit upon receipt. 
XXXX. Stopping the practice of sending letters that question the legitimacy of my disputes without valid grounds. 
XXXX. Complying with FCRA regulations that mandate the investigation of disputes submitted by consumers. 
If " the XXXX bureaus '' fails to comply with these demands and continues to violate my rights under the FCRA, I will take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies to enforce my rights. 
Thank you for your immediate attention to this matter. I expect a response confirming that " the XXXX bureaus '' has corrected its practices and will properly investigate my mailed-in disputes in accordance with FCRA requirements. 
Sincerely, XXXX XXXX XXXX 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