Consumer complaint received 2025-07-28 00:00:00
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.
State: GA

Complaint narrative:
Dear XXXX, I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 

According to my credit report dated XXXX, there is a late payment entry listed for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
Under U.S.C. 1666B ( Regulation Z truth in lending ), payments are considered timely if they are received by the creditor no later than the due date, or within a reasonable grace period if XXXX is provided. I have always ensured that my payments were made within the time frame specified by my agreement, and there was no delay that would constitute a late payment. This law requires that creditors properly account for timing of payments, ensuring that payments are not incorrectly marked as late or if they were made on time or within the grace period. 
Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. 
I am formally requesting that you investigate this late payment entry and provide me with the following information : XXXX. Verification of the accuracy of the late payment entry, including proof of the alleged late payments. 
XXXX. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments. 
I expect a thorough investigation into this matter and request that you provide me with a written response within XXXX  days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. 
Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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