Consumer complaint received 2024-03-13
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. (CA)

I looked at my report on XX/XX/XXXX and I noticed some things that were incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX account XXXX XXXX I sent a dispute complaint asking to make sure everything is complete and accurate and here is my file report number XXXX from Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX. They sent me an investigation letter back and said everything is complete and updated but not accurate if you check my attachments below everything is not complete and accurate because IdentityIQ is showing I have no missing late payments for this account. However XXXX is showing that I am late on a payment of XXXX XXXX please send me copies and results of both platforms of which payment is being late. There should not be reporting two different things on IdentityIQ and the three credit bureaus. There should only be one correct accurate information across my credit report. please see attachments of IdentityIQ showing no late payments for this account of proof. 
And according to 15 U.S. code 1681i5 they are supposed to do this.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) and information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly update that item of information from the file of the consumer, or modify, that. 
the item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or updated from the file of the consumer. 

And according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation.

procedure.

A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request form the consumer for that description.

But they did not provide that as well.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments for dates of XX/XX/XXXX. I demand to see hard proof from the creditor that I was late on a payment of that day XXXX. I can prove XXXX XXXX has my XXXX XXXX account on autopay for all payments. This is clearly a billing error on behalf of the creditor. account number for my XXXX XXXX account is XXXX and routing number is XXXX. I demand for the account to be updated as paid and never late for dates XX/XX/XXXX. As a consumer by law this account should be updated immediately as paid and never lates for dates XXXX XXXX or I will seek monetary compensation for my violation of rights in small claims court in my city and state under 15 USC 1681n civil liability because I have been violated.