Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FORMAL FEDERAL VIOLATION NOTICE DEMAND FOR INVESTIGATION & REMOVAL OF LATE PAYMENTS YOUR NAME YOUR ADDRESS CITY, STATE ZIP PHONE | EMAIL DATE TO XXXX XXXX XXXX XXXX XXXX 
Attn : Dispute Department RE : DISPUTE & DEMAND FOR REMOVAL OF 8 LATE PAYMENTS FEDERAL LAW INVOKED Account : XXXX | Balance : {$1200.00} | Opened XX/XX/XXXX This correspondence serves as a formal dispute and demand for immediate reinvestigation, correction, and removal of the inaccurate late payment history being reported on the above referenced XXXX XXXX XXXX XXXX account. 

You are currently reporting eight ( 8 ) late payment entries, which I assert are incomplete, inaccurate, unverified, and violate federal law governing consumer reporting accuracy and reinvestigation rights. 

LATE HISTORY YOU ARE REPORTING : Month XXXX XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late This pattern of reporting does not reflect proper payment posting accuracy, lacks complete timestamp validation, and may directly violate the timely crediting requirements established by federal law.

FEDERAL STATUTES YOU ARE REQUIRED TO COMPLY WITH : 15 USC 1666b Payment Crediting & Posting Timeliness Requirements 15 USC 1681A Definition & Scope of Consumer Reporting Accuracy 15 USC 6802 Restriction on Distribution of Non-Public Financial Data 15 USC 1681i Right to Demand Reinvestigation of Disputed Information 15 USC 1681s-2 ( a ) Furnisher Duty to Report Accurate Information ONLY 15 USC 1681i ( a ) ( 6 ) 30-Day Requirement to Provide Written Reinvestigation Results YOU ARE NOW FORMALLY DIRECTED TO DO ONE OF THE FOLLOWING WITHIN 30 DAYS : Perform a complete reinvestigation in accordance with 15 USC 1681i.

Provide original account records verifying every late mark, including payment posting timestamps, acceptance logs, and internal processing records.

DELETE the 8 late payments immediately if you can not provide lawful, original proof.

Issue written results within 30 days per 15 USC 1681i ( a ) ( 6 ).

Cease reporting inaccurate information as required by 15 USC 1681s-2 ( a ).

If improper posting led to delinquency reporting, you are in direct violation of 15 USC 1666b.

Any non-consensual sharing of my personal financial data constitutes a violation of 15 USC 6802 and is actionable.

FAILURE TO COMPLY WILL RESULT IN IMMEDIATE ACTION If the information is not corrected or deleted within the required timeframe, I will escalate by filing formal federal complaints with : CFPB Federal Trade Commission State Attorney General and pursue civil remedy for statutory damages.

You have 30 days from receipt of this notice.

If it can not be fully verified YOU MUST DELETE.

I expect compliance not excuses.

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