Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX Notice of Dispute and Request for Records Regarding Late Payment Claims on XXXX Auto Account ( # XXXX ) To Whom It May Concern, I am writing to formally dispute the late payment entries on my consumer credit report regarding XXXX Auto Account ( # XXXX ) for the periods of XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, and XX/XX/XXXX, I submitted disputes regarding these two late payments, both of which I can confirm were paid on time. Unfortunately, despite my requests, you have failed to provide any documentation to substantiate these claims. Your response of no change needed is unsatisfactory and violates my rights under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX Precedent As established in XXXX XXXX XXXX XXXX XXXX XXXX creditors have an obligation to maintain accurate records and provide proof to support claims of late payments. In this case, I am requesting that you provide all internal records, including billing statements and communications regarding these alleged late payments. Failure to do so will result in the immediate demand to remove these inaccurate late payment entries from my credit report. 

TransUnion Legal Violations and CFPB Charges To emphasize the seriousness of this issue, I would like to reference several key cases where TransUnion has been found guilty of violating consumer rights : CFPB Charges Against TransUnion and Senior Executive XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) recently charged TransUnion and XXXX XXXX with violating law enforcement orders, including the reporting of inaccurate information such as late payments. This speaks directly to the broader pattern of consumer rights violations within the credit reporting system, reinforcing the necessity for accurate and lawful reporting. 

TransUnion Unit to Pay {$37.00} XXXX in Data Misuse Settlement In another case, TransUnion agreed to pay {$37.00} XXXX to settle claims involving the misuse of consumer data. This reinforces that TransUnion and its affiliates have a history of mishandling consumer information, further calling into question the integrity of the reported late payments on my account. 

TransUnion LLC XXXX XXXX ( XX/XX/XXXX ) The Supreme Court case of TransUnion LLC XXXX XXXX further underscores TransUnions failures in protecting consumer data and reporting accurately. The case highlighted significant shortcomings in the companys practices related to reporting false information, which is relevant to my dispute concerning the misreported late payments. 

XXXX Leverage Should you fail to comply with my request, I intend to report this case to the CFPB, FTC, and other regulatory bodies. For reference, the XXXX XXXX XXXX ( XXXX ) for TransUnion is XXXX, and I will ensure this matter is investigated thoroughly for consumer fraud and illegal reporting practices. 

Legal Compliance and Documentation Request In accordance with 15 U.S. Code 1666b, I am once again requesting the following documentation : The periodic statement for each alleged late payment.

The tracking number proving that each periodic statement was delivered to me at least 21 days before the payment due date.

Additionally, under Section 611 of the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information in my credit report. I demand that you conduct a thorough investigation and provide a written response detailing the names of the entities you contacted to verify the accuracy of this information. Failure to provide this will result in a request to delete the late payment entries from my credit report. 

This letter serves as my fourth attempt to resolve this issue. I have already filed complaints with the CFPB ( case numbers # XXXX and # XXXX ). If this matter is not resolved within 15 business days, I will pursue further legal action and report your company for violations of 15 U.S. Code 1681b ( 2 ), which prohibits unauthorized reporting of consumer information.