Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX XXXXXXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. I have been consistently enrolled in autopay for all my accounts, and my records show that all payments were made on time. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the 60-day late payment reported for XX/XX/XXXX on my XXXX XXXX  XXXX account does not align with my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that the entries be updated to reflect my true payment history of 100 % on-time payments. 
Account discrepancies : The XXXX XXXX XXXXXXXX account has an inaccurately reported 60-day late payment for XX/XX/XXXX, which does not reflect the account holders actual payment history. The account has consistently been set up with autopay, ensuring on-time payments. This error constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). The discrepancies include misreported payment history and a violation of consumer rights, as the account should show a consistent record of on-time payments without late entries. 
Attachments : A copy of my government-issued ID Social Security verification Recent account status statement Any additional supporting documentation I expect to receive written confirmation of the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX