Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ).

Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : TransUnion , XXXX, XXXX Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : XXXX : Reports a 30-day late payment in XX/XX/year>. 
XXXX and TransUnion : Report a 30-day late payment in XX/XX/year>. 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( XXXX ) and " Closed '' ( TransUnion ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX or XX/XX/year> is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher.

15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date.

Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment. 
Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late.

Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence.

If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA.

Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX