Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unfair late payment reporting on my credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and have caused significant harm to my credit profile. I request an immediate investigation and corrective action.

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : Establishes my right to privacy and requires that consumer reporting agencies maintain fair and accurate reporting of my financial information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The reporting of incorrect late payments is a clear violation of this statute.

15 U.S.C. 1681i ( a ) ( 1 ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. Failure to properly investigate disputed late payments violates this provision.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of credit reports. Incorrect late payment reporting demonstrates non-compliance with this requirement. 

Details of the Inaccurate Late Payments : XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX  XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX Reported Late Payment : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> I formally dispute the accuracy of these reported late payments. These accounts were either paid on time, contain errors in reporting, or lack proper validation. Under 15 U.S.C. 1681i ( a ) ( 1 ), I demand that each of these late payments be investigated and either validated or deleted from my credit file. 

Request for Action : Given the above, I request the following : An immediate investigation into the inaccurate late payment reporting on my credit file. 

Proof of payment history and proper validation of each reported late payment. If validation can not be provided, the inaccurate late payments must be deleted immediately. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 

Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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