Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXXXXXX XXXX XXXXXXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( XXXX ) : These reporting errors breach the XXXX 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including XXXX days late in XXXX, XXXX  days late in XXXX, and XXXX days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as TransUnion, with reports of XXXX, XXXX, and XXXX day late payments during the same timeframe. 
XXXX : Reports late payments, including XXXX  days late in XXXX, XXXX  days late in XXXX, and XXXX days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within XXXX  days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX