Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged late payments reported by XXXX on my credit report. I demand the immediate removal of these erroneous remarks, as they violate several of my rights under federal consumer protection laws, specifically under 15 U.S.C. 1666b and related provisions.

1. Violation of 15 U.S.C. 1666b Timely Notice Requirement Under 15 U.S.C. 1666b, creditors must provide written notice to the consumer at least 21 days before reporting any alleged delinquency. In this instance, I never received any such notice from XXXX prior to them reporting these alleged late payments on my credit report. This failure to provide timely notification directly violates my rights, rendering the reported late payments unlawful and unenforceable. XXXX failure to follow this statutory requirement demonstrates a disregard for federal law and consumer protections, necessitating the immediate removal of these derogatory marks. 

2. Failure to Remedy Dispute FCRA Non-Compliance This is not the first time I have raised concerns about these erroneous late payments. Previously, I addressed this issue directly with XXXX, and they responded by adding the remark, " Account information disputed by the consumer, meets FCRA requirements, '' to my credit report. This response is both insufficient and evasive. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i obligates XXXX to conduct a thorough investigation and correct any inaccurate or incomplete information. By failing to resolve the dispute and instead relying on an insufficient generic statement, XXXX remains in violation of the FCRA. This further compels the removal of these inaccurate late payment reports. 

3. Verifiability of Information Under FCRA 1681e ( b ), credit reporting agencies and furnishers must ensure that all information reported is accurate and verifiable. The alleged late payments in question remain unverified and unjustified, as XXXX has failed to provide any verifiable evidence to support these claims. Their inability to remedy this issue or offer legitimate proof of delinquency calls into question the reliability of this information. I demand that the CFPB enforce XXXX  legal obligations to remove these unverifiable and incorrect late payments from my credit report. 

4. Impact of False and Defamatory Information The false reporting of late payments has caused significant damage to my credit score, which can result in financial harm and reputational damage. These actions, especially after I have formally disputed the account, amount to potential defamation, in violation of my rights under FCRA 1681h ( e ), which provides protection against false and inaccurate reporting that could cause harm to the consumer.

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