Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Late Payments ( XXXX XXXX - {$2700.00} ) Dear TransUnion Dispute Department, I am writing to formally dispute late payments being reported on my TransUnion credit report for the following account : XXXX. Creditor : XXXX XXXX Reported Balance : {$2700.00} Disputed Late Payments : XX/XX/XXXX and XX/XX/XXXX I respectfully request that these late payment entries be permanently deleted from my TransUnion credit file, as they are either inaccurately reported or unsupported by documentation and are negatively impacting my credit profile.

Applicable FCRA Consumer Law Provisions : 15 U.S.C. 1666b Credit Card Payment Timing Protections : This statute mandates that payments received before the creditors cut-off time on the due date must be credited as on time. If my payment was processed or received on time and reported late in error, this violates federal law. 
15 U.S.C. 1681i Reinvestigation of Disputed Information : Upon dispute, TransUnion must conduct a reasonable reinvestigation and remove unverifiable, inaccurate, or outdated information within 30 days. If the creditor can not provide verified documentation supporting these specific late entries, they must be deleted.

Metro 2 Compliance & Reporting Violations : The Metro 2 Format, which governs credit reporting standards, requires furnishers to use accurate status codes when reporting account history. Inaccurate or outdated reporting of delinquencies violates Metro 2 guidelines, including : Compliance Condition Code " XXXX  '' Account information disputed by the consumer and undergoing investigation.

Payment History Profile ( Field 28B ) Late payment history must be factually supported.

Base Segment Code 17 Account Status should reflect accurate and current payment behavior. Late payments not backed by documentation are considered misreporting under Metro 2 compliance.

If these late entries can not be verified with original timestamped payment records or they were incorrectly coded, they must be permanently deleted under Metro 2 and FCRA standards. 

Requested Action : Permanently delete the late payments reported for XXXX and XX/XX/XXXX for XXXX XXXX. 
Provide written confirmation of the results of your reinvestigation. 
Ensure full FCRA and Metro 2 compliance moving forward.

Block these entries from reinsertion unless verified documentation is provided under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

If this matter is not resolved in compliance with the law, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and may consider legal remedies under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance. 

Thank you for your prompt attention to this dispute. I expect a resolution within the required 30-day timeframe. 
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 explanation