Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX. XXXX XXXX XXXX , DC XXXX Subject : Billing Dispute and Incorrect Late Payment Reporting under the Fair Credit Billing Act ( FCBA ) and CARES Act Account # XXXX Dear CFPB I am writing to formally dispute a late payment reported on my # XXXX, as shown on the billing statement dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and subsequently reported negatively to the credit bureaus. 

During the COVID-19 pandemic, many financial institutions offered temporary relief programs or modified payment agreements. I either enrolled in such a program or was actively seeking assistance from your institution. Therefore, I believe this reported late payment is inaccurate and unfair. 

This dispute is filed under the following legal grounds : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Under this federal law, consumers have the right to dispute billing errors, including : Failure to properly credit payments made, Accounting or posting errors, Incorrect reporting during an open dispute. 

This dispute is being submitted within the 60-day window, and I formally request an investigation and correction of the error. As per 1666 ( a ) ( B ) ( ii ), I also request a written explanation of your findings, and copies of any documentation used to determine that the billing was accurate, should you conclude that no correction is needed. 

CARES Act ( Section 4021 Amendment to the FCRA ) : The CARES Act, enacted on XX/XX/XXXX, temporarily amended the Fair Credit Reporting Act ( FCRA ) to protect consumer credit during the national emergency. If a consumer : Had an agreement with the creditor to defer or modify payments, And complied with the terms of that agreement, Then the creditor was obligated to report the account as current to the credit reporting agencies not as late or delinquent. 

I either complied with the terms or was awaiting assistance from your institution at the time the late payment was reported. Therefore, this negative report constitutes a violation of the CARES Act unless you can provide valid documentation otherwise. 

I formally request that you : Correct the billing error and remove the negative credit reporting. 

Provide written confirmation of the correction. 

Refrain from any collection actions on the disputed amount per FCBA 1666 ( c ). 

If the item is not removed, report the account as disputed to all credit reporting agencies as required under the FCRA. 

I have attached supporting documentation ( e.g., payment records, email correspondence, relief program confirmations, etc. ). 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframes required by law. 

Sincerely, XXXX XXXX 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