Consumer complaint received 2024-11-19
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/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally request a detailed description of the investigation process conducted by TransUnion regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), under 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation process within 15 days of receiving a consumer 's dispute. 
I recently reviewed my TransUnion credit report and found inaccurate information on an account reported as having late payments. Specifically, the account shows multiple late payments that are inconsistent with my actual payment history. The account in question, identified as follows across the credit bureaus, should reflect timely payments according to my records : Discrepancies and Late Payments Upon review, I have identified discrepancies in payment history across the credit bureaus as follows : XXXX : Shows a 30-day late payment in XX/XX/XXXX, which is inaccurate. 
XXXX : XXXX XXXX XXXX late payments, XXXX in XX/XX/XXXX which is incorrect. 
Additional Late Payment on XXXX Report : Following my first dispute, XXXX has added an additional XXXX late payment in XX/XX/XXXX, which is also inaccurate. 
TransUnion : Reflects a XXXX late payment in XX/XX/XXXX, which is also inaccurate. 
Request for Investigation and Correction The consumer reporting agencies are required to report all information with complete accuracy. This account has consistently been paid on time, and these inaccuracies negatively impact my credit report. Please investigate this account and update all late payments to " Paid As Agreed Never Late '' immediately.

Documentation of Investigation Process I kindly request that you provide a description of the procedures used to investigate and verify the late payment entries on this account. If these discrepancies can not be updated as requested, please provide the required information under 15 USC 1666 ( b ), including details on how each periodic statement was mailed in compliance with 21-day advance requirements, as outlined in section 1637 ( b ) of Title 15.

Legal Reference and Expected Action Per FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer and the reporting entity. Additionally, I request documented proof supporting the reported late payments. This proof should detail specific dates, amounts, and relevant communication indicating any missed payments. Absent valid proof, I expect prompt rectification of these entries. 
If the credit reporting agencies fail to substantiate their claims with verifiable evidence, I demand that my credit report reflect the correct status of " Paid As Agreed Never Late. '' I request that the credit bureaus provide a written response within 30 days as per FCRA guidelines. 
Thank you for your prompt attention to this matter. I expect a resolution that upholds the accuracy and fairness mandated by the FCRA. Your cooperation is essential in maintaining the integrity of my credit report. 
Sincerely, XXXX XXXX XXXX