Consumer complaint received 2024-11-11
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. (FL)

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed an account with XXXX  XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : TransUnion : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request.

In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report.

I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected.

Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within 30 days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX