Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Re : Request for Removal of Late Payments Under 15 US Code 1666b Re : Fair Credit Reporting Act 15 US Code 1681 section 602 a Re : 15 US Code 1681 ( b ) ( c ) Re : 15 US Code 1681 section 604 a section 2 Re : 15 US Code 6801 Re : 15 US Code 1681C ( a ) ( 5 ) Re : 15 US. Code 1681s2 ( A ) ( 1 ) A Re:15 US Code 1682 ( b ) ( c ) Re : 15 US Code 1681e ( a ) ( b ) TO : TransUnion, XXXX, XXXX I am writing to address the recent late payments that have been reported on my account with your institution. Pursuant to the Fair Credit Billing Act ( 15 USC 1666b ), and codes listed above. I am formally requesting the removal of these closed account pass due accounts that are shown to be closed on other Credit reporting site and late payment entries from my credit report based on the following circumstances. 

Upon reviewing my credit report, XXXX XXXX I noticed that their closed and late payment notations have been recorded for the months on closed accounts that still shows reporting late fees. Also, inaccuracy of dates on all three reports. All details of the report will be listed below with the account number and inaccuracy of the report. 
I believe these late payments were the result of administrative error, Under the provisions of 15 USC 1666b and Laws listed above, consumers have the right to address and dispute inaccurate information that may be damaging to their credit history. I am confident that the late payments in question do not accurately reflect my creditworthiness and financial responsibility. 
XXXX  Account # XXXX XXXX  XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX Closed Accounts All Accounts All Account Types All Payment Statuses XXXX XXXX XXXX  Account # XXXX {$1400.00} Past Due No Account Reported Account XXXX  XXXX  Account Reported Account # XXXX Account Type Other Status {$1400.00} Past Due Opened XXXX High Balance {$1400.00} Payment {$0.00} Balance {$1400.00} Date Reported XXXX Amount Past Due {$1400.00} Count of Late Payments XXXX Condition Open Responsibility Individual Creditor Contact : -- - Payment History XXXX XXXX XXXX XXXX No Payment History Reported No Payment History Reported Chart Legend XXXX Remarks : Collection account XXXX XXXX XXXX XXXX  Account # XXXX {$23000.00} Past Due Account XXXX XXXX XXXX Account XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status {$23000.00} Past Due Status {$23000.00} Past Due Status {$23000.00} Past Due Opened XXXX Opened XXXX Opened XXXX High Balance {$30000.00} High Balance {$23000.00} High Balance {$0.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$23000.00} Balance {$23000.00} Balance {$23000.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$23000.00} Amount Past Due {$23000.00} Amount Past Due {$23000.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Dispute resolved; customer disagrees XXXX Remarks : Consumer disputes after resolution Charged off account XXXX  Remarks : Subscriber reports dispute resolved - consumer disagrees. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
XXXXXXXX XXXX XXXXXXXX Account # XXXX {$1900.00} Past Due Account XXXX XXXX Account XXXX Account XXXX XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status {$1900.00} Past Due Status {$1900.00} Past Due Status {$1900.00} Past Due Opened XXXX Opened XXXX Opened XXXX Credit Limit {$1400.00} Credit Limit {$0.00} Credit Limit {$1400.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$1900.00} Balance {$1900.00} Balance {$1900.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$1900.00} Amount Past Due {$1900.00} Amount Past Due {$1900.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Dispute resolved; reported by XXXX XXXX Remarks XXXX Charged off account Credit card XXXX  Remarks : Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX XXXX  XXXX Account # XXXX {$900.00} Past Due Account XXXX XXXX XXXX  Account XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status {$900.00} Past Due Status {$900.00} Past Due Status {$900.00} Past Due Opened XXXX Opened XXXX Opened XXXX Credit Limit {$0.00} Credit Limit {$0.00} Credit Limit {$500.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$900.00} Balance {$900.00} Balance {$900.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$900.00} Amount Past Due {$900.00} Amount Past Due {$900.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX ) XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Profit and loss write-off XXXX Remarks : Charged off account Credit card XXXX  Remarks : Unpaid balance reported as a loss by the XXXX XXXX. 
XXXX XXXX Account # XXXX {$430.00} Past Due Account XXXX XXXX  Account XXXX  XXXX Account XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status {$430.00} Past Due Status {$430.00} Past Due Status {$430.00} Past Due Opened XXXX Opened XXXX Opened XXXX Credit Limit {$300.00} Credit Limit {$0.00} Credit Limit {$300.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$430.00} Balance {$430.00} Balance {$430.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$430.00} Amount Past Due {$430.00} Amount Past Due {$430.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Canceled by credit grantor XXXX Remarks : Charged off account Accounts closed by credit grantor XXXX Remarks : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX Account # XXXX Collection/ Chargeoff Account XXXX  XXXX Account XXXX  XXXX Account XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status Collection/ Chargeoff Status Collection/ Chargeoff Status Collection/ Chargeoff Opened XXXX Opened XXXX Opened XXXX Credit Limit {$500.00} Credit Limit {$0.00} Credit Limit {$500.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX Creditor Contact XXXX -- - Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Purchased by another lender XXXX Remarks : Account transferred or sold Charged off account XXXX  Remarks : Purchased by a another lender. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX XXXX  XXXX Account # XXXX Collection/ Chargeoff Account XXXX XXXX XXXX  Account XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status Collection/ Chargeoff Status {$1100.00} Past Due Status Collection/ Chargeoff Opened XXXX Opened XXXX Opened XXXX Credit Limit {$0.00} Credit Limit {$0.00} Credit Limit {$650.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$1100.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$1100.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Purchased by another lender XXXX Remarks : Charged off account Amount in high credit original charge-off amount XXXX Remarks : Purchased by a another lender. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX XXXX  Account # XXXX Collection/ Chargeoff Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status Collection/ Chargeoff Status Collection/ Chargeoff Status Collection/ Chargeoff Opened XXXX Opened XXXX Opened XXXX Credit Limit {$1000.00} Credit Limit {$0.00} Credit Limit {$1000.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX, SD XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Purchased by another lender XXXX Remarks : Account transferred or sold Charged off account XXXX  Remarks : Purchased by a another lender. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX Account XXXX XXXX Collection/ Chargeoff Account XXXX Account XXXX Account XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status Collection/ Chargeoff Status Collection/ Chargeoff Status Collection/ Chargeoff Opened XXXX Opened XXXX Opened XXXX Credit Limit {$700.00} Credit Limit {$0.00} Credit Limit {$700.00} Payment {$0.00} Payment {$0.00} XXXX {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX, OR XXXX ( XXXX ) XXXX Creditor Contact : -- - Creditor XXXX : XXXX XXXX XXXX, XXXX, OR XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Charged off as bad debt Purchased by another lender XXXX Remarks : Account transferred or sold Charged off account XXXX  Remarks : Purchased by a another lender. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX XXXX  XXXX Account # XXXX Closed Account XXXX XXXX XXXX  XXXX  Account XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status Closed Status Closed Status Closed Opened XXXX Opened XXXX Opened XXXX High Balance {$12000.00} High Balance {$0.00} High Balance {$12000.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : XXXX  XXXX bankruptcy XXXX Remarks XXXX Bankruptcy XXXX  XXXX XXXX  Included in bankruptcy XXXX  Remarks : Debt included in or discharged through Bankruptcy XXXX  XXXX, or XXXX. 
XXXX XXXX XXXX Account # XXXX Current Account XXXX XXXX XXXX / XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account # XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status Current Status Current Status Current Opened XXXX Opened XXXX Opened XXXX High Balance {$6000.00} High Balance {$6000.00} High Balance {$6000.00} Payment {$130.00} Payment {$130.00} Payment {$130.00} Balance {$9600.00} Balance {$9600.00} Balance {$9600.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Open Condition Open Condition Open Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Dispute resolved; reported by grantor XXXX Remarks : XXXX  loan Account previously in dispute - now resolved by data furnisher XXXX Remarks : Account was in dispute - now resolved - reported by subscriber. 
XXXX XXXX XXXX Account # XXXX Current Account XXXX XXXX XXXX / XXXX Account XXXX  Account XXXX XXXX XXXX Account XXXX XXXX Account # XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status Current Status Current Status Current Opened XXXX Opened XXXX Opened XXXX High Balance {$3500.00} High Balance {$3500.00} High Balance {$3500.00} Payment {$50.00} Payment {$50.00} Payment {$50.00} Balance {$4200.00} Balance {$4200.00} Balance {$4200.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Open Condition Open Condition Open Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Contact : -- - Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Dispute resolved; reported by grantor XXXX Remarks : XXXX  loan Account previously in dispute - now resolved by data furnisher XXXX Remarks : Account was in dispute - now resolved - reported by subscriber. 
XXXX  Account # XXXX Closed No Account Reported Account XXXX  No Account Reported Account # XXXX Account Type Installment Status Closed Opened XXXX High Balance {$1200.00} Payment {$0.00} Balance {$0.00} Date Reported XXXX Amount Past Due {$0.00} Count of Late Payments XXXX Condition Closed Responsibility Individual Creditor Contact : -- - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Payment History Reported No Payment History Reported Chart Legend XXXX Remarks : Closed or paid account/XXXX  balance XXXX  XXXX XXXX Account XXXX XXXX Closed Account XXXX XXXX XXXXXXXX XXXX Account XXXX No Account Reported Account # XXXX Account Type Revolving Status Closed Opened XXXX Credit Limit {$200.00} Payment {$0.00} Balance {$0.00} Date Reported XXXX Amount Past Due {$0.00} Count of Late Payments XXXX Condition Closed XXXX Authorized User Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Payment History Reported No Payment History Reported Chart Legend TransUnion Remarks : Canceled by credit grantor XXXX XXXX XXXX XXXX Account XXXX XXXX Closed Account XXXX  XXXX XXXX XXXX  Account XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status Closed Status Closed Status Closed Opened XXXX Opened XXXX Opened XXXX High Balance {$7000.00} High Balance {$7000.00} High Balance {$7000.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : CREDIT BUREAU DISPUTE XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Contact XXXX -- - Creditor Contact : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX History XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Closed XXXX Remarks : Closed or paid account/XXXX  balance XXXX Account # XXXX Closed Account XXXX No Account Reported No Account Reported Account # XXXX Account Type Installment Status Closed Opened XXXX High Balance {$770.00} Payment {$0.00} Balance {$0.00} Date Reported XXXX Amount Past Due {$0.00} Count of Late Payments XXXX Condition Closed Responsibility Individual Creditor Contact : XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX No Payment History Reported No Payment History Reported Chart Legend TransUnion Remarks : Closed XXXX  Account # XXXX Closed Account XXXX No Account Reported No Account Reported Account # XXXX Account Type Installment Status Closed Opened XXXX High Balance {$390.00} Payment {$0.00} Balance {$0.00} Date Reported XXXX Amount Past Due {$0.00} Count of Late Payments XXXX Condition XXXX XXXX XXXX XXXX Contact : XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX No Payment History Reported No Payment History Reported Chart Legend TransUnion Remarks : Closed XXXX XXXX XXXX Account # XXXX Closed Account XXXX  XXXX  Account XXXX  Account XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status Closed Status Closed Status Closed Opened XXXX Opened XXXX Opened XXXX High Balance {$34000.00} High Balance {$34000.00} High Balance {$34000.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : Closed XXXX Remarks XXXX Closed or paid account/XXXX  balance Auto XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status Closed Status Closed Status Closed Opened XXXX Opened XXXX Opened XXXX Credit Limit {$300.00} Credit Limit {$0.00} Credit Limit {$320.00} XXXX {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Closed Condition Closed Condition Closed Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX XXXX Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX XXXX History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chart Legend TransUnion Remarks : XXXX  XXXX bankruptcy XXXX Remarks : Bankruptcy XXXX  XXXX Included in bankruptcy XXXX  Remarks : Debt included in or discharged through Bankruptcy XXXX  XXXX, or XXXX. 
XXXX XXXX XXXX Account # XXXX Closed Account XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Type Installment Account Type Installment Account Type Installment Status Current Status Closed Status Closed Opened XXXX Opened XXXX Opened XXXX High Balance {$20000.00} High Balance {$0.00} High Balance {$20000.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} Balance {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Open Condition Closed Condition Closed Responsibility Maker Responsibility Maker Responsibility Joint Creditor Contact : XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you review my account and consider removing the late payment entries associated with the aforementioned months. Doing so will not only help improve the accuracy of my credit report but also positively impact my credit standing and financial opportunities. 

I trust that you will handle this matter in accordance with the Fair Credit Billing Act and take the necessary steps to rectify the reporting of these late payments promptly. Please provide me with written confirmation once the requested changes have been made to my credit report. 

Should you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me using the information provided above. 

Thank you for your attention to this request. I look forward to a favorable resolution of this matter. 

TransUnion, XXXX, XXXX