Consumer complaint received 2025-04-27 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:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account ( Account XXXX. XXXX ). Specifically, the credit report reflects late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I assert that these entries are inaccurate and demand immediate investigation and corrective action, pursuant to my rights under federal law, including but not limited to : 15 U.S.C. 1666b ( Timely Billing Requirements ) Fair Credit Reporting Act ( FCRA ) Fair Credit Billing Act ( FCBA ) Equal Credit Opportunity Act ( ECOA ) Consumer Financial Protection Bureau ( CFPB ) Regulations I have consistently maintained timely payments on my account and have no record supporting the alleged delinquencies. It appears these late payment reports are the result of either a billing error, reporting mistake, or a failure to comply with required notice and timing standards under federal law. 

As outlined in 15 U.S.C. 1666b, creditors must provide a minimum 21-day notice period prior to a payment becoming due. Failure to adhere to this requirement invalidates any negative reporting based on such payment. Under the FCRA, I am entitled to dispute and demand the reinvestigation of inaccurate information, and you are required to verify the completeness and accuracy of the contested information. The FCBA also mandates the prompt resolution of billing disputes, while the ECOA and CFPB regulations protect against unfair and unlawful credit reporting practices. 

Accordingly, I am requesting the following actions : A full and detailed investigation into the late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Provision of all documentation and payment records substantiating these derogatory entries.

Immediate removal of the inaccurate late payments from my credit report if you are unable to provide verifiable and documented proof supporting their accuracy.

Written confirmation of the results of your investigation and any corrections made to my credit file. 

Please be advised that failure to respond adequately and within the timeframe required by the FCRA ( 30 days from receipt of this dispute ) may result in further actions, including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and the Office of the Comptroller of the Currency, as well as consideration of private legal remedies to protect my rights.

I expect acknowledgment of receipt of this letter within five ( 5 ) business days and a full response, including the results of your investigation, within thirty ( 30 ) days, as mandated by federal law.

Thank you for your immediate attention to this urgent matter. I look forward to your prompt and full resolution of this dispute. 

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