Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 
TransUnion LLC Consumer Disclosure Center
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

Dear Sir or Madam,
 
After obtaining my credit report, I noticed that it shows late payments on the accounts listed below.
 
I am sure you are aware and understand that it is required by Federal law that Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost.

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts:
 

Bureau: TransUnion
Creditor: XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed reported as XXXX
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 120 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX       Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX
 


Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code  1681g - Disclosures to consumers
If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.
 
Im thanking you in advance for attending to my requests promptly
 
Regards,

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX
 
Consumer Financial Protection Bureau    
Supervisor, Legal Department                           
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 
TransUnion
Supervisor, Legal DepartmenXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX
 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX  

Dear Sir or Madam,
 
After obtaining my credit report, I noticed it shows late payments on account(s)
Reported by your company. It specifically states that I was late on accounts I was never late on. This has damaged my credit score and extremely troubling.
 
I am sure you aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account(s), adhering to this of the upmost.
 
In this regard, I hereby request the following steps to remedy this situation.
 
1.	To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.
2.	Im requiring written evidence for all the payment you are reporting that I was late according to my obligations with creditor(s).
3.	Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company XXXX XXXX and TransUnion and any others third party reseller.
 
If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report.
 
 Im thanking you in advance for attending to my requests promptly.
 
To verify my Identity and my address, I am enclosing copies of identifying documents.
 

Bureau: XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 120 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXXXXXX
     Date Closed is Not Reported
     Last Verified reported as XXXXXXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as 0
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX       Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed reported as XXXX       Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX  
Bureau: XXXX XXXX XXXX  XXXX XXXXXXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX       Date Closed is Not Reported
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX
 


Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code  1681g - Disclosures to consumers
If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.
 
Im thanking you in advance for attending to my requests promptly
 
Regards,

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX   
Consumer Financial Protection Bureau    
Supervisor, Legal Department                           
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 
TransUnion
Supervisor, Legal Department
5XXXX 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, GA XXXX  

Dear Sir or Madam,
 
After obtaining my credit report, I noticed it shows late payments on account(s)
Reported by your company. It specifically states that I was late on accounts I was never late on. This has damaged my credit score and extremely troubling.
 
I am sure you aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account(s), adhering to this of the upmost.
 
In this regard, I hereby request the following steps to remedy this situation.
 
1.	To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.
2.	Im requiring written evidence for all the payment you are reporting that I was late according to my obligations with creditor(s).
3.	Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company XXXX XXXX and TransUnion and any others third party reseller.
 
If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report.
 
 Im thanking you in advance for attending to my requests promptly.
 
To verify my Identity and my address, I am enclosing copies of identifying documents.
 

Bureau: XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 120 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: CXXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX       Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX0

Bureau: XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX  
Bureau: TransUnion
Creditor: XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed reported as XXXX
     Last Verified reported as XXXX       Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXXXXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX       Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: EXXXX XXXX XXXX XXXX XXXX* Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported aXXXX XXXX
     Date of Account Information reported as 1XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX       Date of First Delinquency is Not Reported
     High Balance reported as 383
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported aXXXX XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX
 


Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code  1681g - Disclosures to consumers
If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.
 
Im thanking you in advance for attending to my requests promptly
 
Regards,

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX
 
Consumer Financial Protection Bureau    
Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 
TransUnion
Supervisor, Legal Department
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, GA XXXX


Dear Sir or Madam,
 
After obtaining my credit report, I noticed it shows late payments on account(s)
Reported by your company. It specifically states that I was late on accounts I was never late on. This has damaged my credit score and extremely troubling.
 
I am sure you aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account(s), adhering to this of the upmost.
 
In this regard, I hereby request the following steps to remedy this situation.
 
1.	To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.
2.	Im requiring written evidence for all the payment you are reporting that I was late according to my obligations with creditor(s).
3.	Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company XXXX XXXX and TransUnion and any others third party reseller.
 
If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report.
 
 Im thanking you in advance for attending to my requests promptly.
 
To verify my Identity and my address, I am enclosing copies of identifying documents.
 

Bureau: XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 120 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX  
Bureau: TransUnion
Creditor: XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX

Bureau: XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXXXXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX       Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX       Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX
     Date Opened reported as XXXX       Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX  Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed reported as XXXX
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX  
Bureau: XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported as XXXX

XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 60 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXXXXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX

Bureau: TransUnion
Creditor: XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as 01/12/2024
     Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified reported as XXXX
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX       Balance Owed reported aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX       Date of Last Payment reported as XXXX       Date of Account Information reported as XXXX
     Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional relevant fields are:
     Payment Rating reported as Late 30 Days
     Date of Last Activity reported as XXXX
     Date of Last Payment reported as XXXX
     Date of Account Information reported as XXXX       Date Opened reported as XXXX
     Date Closed is Not Reported
     Last Verified is Not Reported
     Date of First Delinquency is Not Reported
     High Balance reported as XXXX
     Balance Owed reported as XXXX
 


Im seeking written evidence of t

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