Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payments Reported on Select Portfolio Servicing Account To Whom It May Concern, I am writing to formally dispute inaccurate late payments reported on my Select Portfolio Servicing ( SPS ) account, which are currently appearing on my credit report. The late payment information being reported is incorrect and not reflective of my actual payment history. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I request that you immediately investigate this matter and correct the inaccuracies on my credit report. Specifically, I am citing the following laws in support of my dispute : 1. 15 U.S.C. 1666 ( b ) - Fair Credit Billing Act ( FCBA ) This section of the law grants me the right to dispute billing errors, including the inaccurate reporting of late payments. As a consumer, I have the right to dispute errors within 60 days of receiving the billing statement showing the error. In this case, the late payments being reported are not accurate, and I am exercising my right under this law to correct the mistake.

2. 15 U.S.C. 1637 ( b ) - Periodic Statements of Accounts Under this section, creditors are required to provide clear and accurate statements of account activity. The inaccuracies in the reporting of late payments on my XXXX XXXX XXXX account violate this requirement, as the information being provided to the credit bureaus is neither accurate nor consistent with my actual payment activity.

3. 15 U.S.C. 1681e ( b ) - Fair Credit Reporting Act ( FCRA ) This section of the FCRA mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information included in consumer reports. The inaccurate late payments being reported on my XXXX account violate this provision. As TransUnion has a duty to report only accurate and verifiable information, I am requesting that you immediately verify the accuracy of the information with XXXX XXXX Servicing and update or remove the late payment information accordingly. 
Details of the Account in Dispute : Creditor Name : Select Portfolio Servicing ( SPS ) Account Number : [ Full Account Number or Last 4 Digits ] Disputed Late Payments : [ Dates of the Inaccurate Late Payments ] Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the inaccurate late payment information reported by Select Portfolio Servicing.

Correction or Removal of Inaccurate Information : If these late payments can not be verified as accurate, I request that they be removed from my credit report immediately.

Confirmation of Investigation : Under FCRA 15 U.S.C. 1681i, I request written confirmation of the results of your investigation and any changes made to my credit report within 30 days. 

Thank you for your attention to this important issue. 

Sincerely, XXXX 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