Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I dispute the accuracy, validity, and enforceability of the late fee and all derivative interest assessed on this account. 

The lease governing the tenancy permits the assessment of a late fee only when rent is not paid by the applicable due date after any contractual grace period. However, during XXXX and XX/XX/2021, the standard lease payment schedule was expressly modified by a written Payment Plan Agreement executed between myself and the property owner, XXXX XXXX XXXX XXXXXXXX XXXX Place. That agreement established revised payment amounts and revised due dates for rent during that period. As such, the Payment Plan Agreement, not the original lease rent-due schedule, governed the timing of rent obligations for those months.

Any determination of whether rent was late must therefore be evaluated solely against the modified schedule set forth in the Payment Plan Agreement. The leas
e does not authorize the assessment of late fees in disregard of a subsequently executed payment modification, nor does the Payment Plan Agreement impose automatic late fees absent a failure to comply with its specific terms.

Despite this modification, a flat late fee of {$75.00} was assessed. No documentation has been produced demonstrating that any installment required under the Payment Plan Agreement was paid after its applicable due date. The materials provided to date consist only of conclusory billing entries and summaries, without a transactional ledger reconciling actual payment dates against the modified schedule established by the agreement.

To properly assess a late fee under the lease and the Payment Plan Agreement, the creditor must be able to demonstrate, at minimum : The specific installment governed by the Payment Plan Agreement that was allegedly late The exact due date for that installment under the modified agreement The date payment was actually received The specific lease provision authorizing a late fee for that default The method used to calculate the {$75.00} amount Absent this information, the late fee is not substantiated under the governing contracts.

The collection agency has further asserted interest accruing at a rate of 10 % per annum on the alleged balance. Interest is derivative in nature and may not lawfully accrue unless the underlying principal balance is accurate, enforceable, and properly verified. Where a balance includes disputed or unverified components, interest may not lawfully accrue on any portion of that balance until accuracy is resolved.

Neither the lease nor the Payment Plan Agreement identifies any provision authorizing post-move-out interest on disputed residential lease charges. If interest is claimed, the creditor must identify the specific contractual or statutory authority permitting such interest, the date accrual began, and the method of calculation. Any interest asserted after termination of tenancy must be expressly authorized. Absent such authorization, interest may not accrue.

A reasonable investigation requires reconciliation of actual payment dates against the modified payment schedule and production of complete transactional records. Reproducing billing summaries, prior statements, or conclusory assertions does not satisfy this requirement.

Attached to this complaint are copies of the lease, the executed Payment Plan Agreement, the final account statements, and the collection correspondence. The reviewing parties are expressly invited to examine these documents in full. Verification of this debt requires analysis of these controlling agreements and a complete ledger, not reliance on summaries alone.

Accordingly, I request strict verification of the late fee and all derivative interest, including : A complete transactional payment ledger for XXXX and XX/XX/2021 Documentation identifying the due dates established by the Payment Plan Agreement Proof that any payment was received after those due dates The specific lease provision authorizing the late fee Identification of any contractual or statutory authority for interest A separate interest ledger showing accrual start date, calculation method, and amounts applied If this documentation can not be produced, the late fee and all associated interest are not verifiable as accurate or legally owed and must be removed from the account balance and from any related credit reporting. 

This dispute is submitted solely for verification purposes. It does not constitute an admission of liability, acknowledgment of ownership of the debt, or waiver of any rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief