Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
Subject : Dispute of Late Payments Report Questioning Company Standards and Policies for Reporting I am writing to dispute the late payments reported on my credit report for the account ( XXXX ) with ( XXXX  XXXX XXXX  XXXX  ). I believe that the reporting of these late payments are in accurate and are in violation of federal consumer protection laws. I am also questioning the creditors standards and policies for reporting late payments, as their actions may not be in compliance with applicable regulations, including the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 
Concerns Regarding the Reported Late Payment : 1. Failure to Send a Proper Billing Statement The creditor is required to send an accurate and timely billing statement at least 21 days before the due date per 15 U.S. Code 1637 ( b ). I did not receive the necessary statement within this timeframe, and as such, I question the legitimacy of these late payments.

2. Grace Period Mismanagement I am concerned that the creditor may not have applied any grace period in accordance with 15 U.S. Code 1666b. If a grace period was indeed applicable, I would like to understand why the payment was reported as late despite potentially meeting the grace period requirements.

3. Payment Processing Issues According to 15 U.S. Code 1666c, payments must be credited promptly. I believe my payments was not processed accurately, which led to this late payments being reported.

This could be a violation of both my rights and the creditors obligations under the law.

4. Noncompliance with 30-Day Reporting Requirement Under FCRA guidelines, a payment can only be reported as late if it is at least 30 days overdue. Based on my records, I believe my payment was not overdue by this amount of time, and I question the accuracy of the report.

5. Failure to Notify Before Reporting Negative Information I am questioning whether the creditor adhered to 15 U.S. Code 1681s-2, which requires them to notify consumers before reporting negative information. I did not receive a notification prior to the reporting of this late payment.

Requested Action : I request that you investigate this dispute thoroughly and review the reporting of the late payment on my credit report. Please contact the creditor in question to ensure that their reporting practices are compliant with all applicable laws, particularly regarding billing statements, grace periods, and payment processing. If the reported late payment is found to be inaccurate or in violation of the law, I request that it be removed from my credit report. Please confirm the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. I look forward to receiving an updated copy of my credit report reflecting the accurate information. 
Thank you for your attention to this matter. 
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