Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment notation reported on my credit file by TransUnion for the XXXX XXXX  account ( Account Number : XXXX ). Despite multiple requests for correction submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the erroneous information has not been addressed. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Account Details : Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Payment Status : Current Creditor Remarks : Closed Nature of the Discrepancy : TransUnion is reporting a 30-day late payment for XX/XX/XXXX. This information is inaccurate and unsupported by evidence. The account history shows consistent and timely payments prior to the account being closed on XX/XX/XXXX. Moreover, XXXX and XXXX do not report any late payments for this account, further highlighting the inaccuracy in TransUnion 's records. 
FCRA Violations : 15 U.S. Code 1681i : TransUnion has failed to conduct a reasonable reinvestigation of my disputes, as required by law. Despite my repeated requests, the inaccurate late payment remains uncorrected.

15 U.S. Code 1681e ( b ) : Credit reporting agencies are obligated to maintain maximum possible accuracy in their reports. The inclusion of this erroneous late payment violates this requirement.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes accurate and timely disclosures to consumers. The inaccurate reporting of a late payment has caused undue harm to my creditworthiness and misrepresents my payment history.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act mandates timely and accurate statement disclosures to prevent unfair penalties to consumers. The late payment notation contradicts this mandate and has adversely affected my credit standing. 
Impact of the Error : The false reporting of a late payment for XX/XX/XXXX has negatively impacted my credit score and financial opportunities. This erroneous information has caused unnecessary distress and potential financial harm.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation that this correction has been made. 
Assurance that all future credit reporting for this account will be accurate.

I am attaching relevant evidence, including account statements and correspondence, to substantiate my dispute. If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. Additionally, I reserve the right to pursue legal action to protect my rights under the FCRA and TILA.

Thank you for your prompt attention to this matter. I look forward to your resolution and written confirmation within 30 days. 
Sincerely, 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