Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? 
I submitted a dispute XX/XX/XXXX to challenge information on my credit report and CFPB REPORT XXXX on XX/XX/XXXX no action was received or committed According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. 
Here is a link to the report that detailed your violations - https : //www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-on-transunion-experian-and-equifax/ A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iIi ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum or- Shark ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the taise belier in a consumer that a person otner than the creditor of such consumer is. participating in the collection of or in an attempt to collect a debt such consumer allegedly wes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this sub chapter.

Listen, I don't have time for your runaround. You need to get your act together and actually do your job. The FCRA clearly states that you have to investigate within 30 days and provide a timely response. It's not rocket science! 
I demand immediate action. Stop stalling and start investigating this dispute properly. I want a detailed update or delete on the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also around this investigation : On XX/XX/XXXX the items below have been re-inserted into my credit file I will attach proof of it being added. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the progress made so far, and I want it fast. This is affecting my finances and my patience is wearing thin. 
Let me remind you of XXXX scenarios : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : In this case, the court ruled against the credit bureau and debt collector for violating the FCRA by failing to conduct a proper investigation within the required timeframe. The court held that the defendants were liable for statutory damages and attorney fees. 
XXXXXXXX XXXX XXXX XXXXXXXX : In this class-action lawsuit, the plaintiffs alleged that TransUnion had violated the FCRA by neglecting to promptly investigate and correct inaccuracies on their credit reports. The court found in favor of the plaintiffs and awarded damages, citing TransUnion 's failure to meet its obligations under the FCRA. 
Do you want me to sue you next? 
I also demand a description of the procedure used to determine the accuracy and completeness of the information in my credit profile. I am entitled to this information within 15 days per the FCRA. 
Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I expect to receive a satisfactory response no later than 15 days If you continue to play games or ignore my concerns, I won't hesitate to escalate this matter and make sure you face the consequences for your negligence. 
Here is a list of items that were sent in my dispute letter that now must be deleted from your systems. 
STOP VIOLATING MY RIGHTS AND TRYING TO XXXX ME. 
Notification complete upon receipt TransUnion has violated my rights and I demand deletion of accounts or verification of proper investigation.

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