Consumer complaint received 2024-10-16 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: MA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Reporting by TransUnion and XXXX for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my TransUnion and XXXX credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : TransUnion and XXXX Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : TransUnion and XXXX are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both TransUnion and XXXX have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act.

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both XXXX and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines.

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off.

My Attempts to Resolve the Issue : I have contacted XXXX XXXX regarding the incorrect information, but they refused to correct the issue. 
I have submitted multiple disputes to both XXXX and TransUnion, requesting them to verify and correct the reporting errors. However, they have failed to fix the problem and have not responded to my requests for details regarding their investigative process, further violating their obligations under the FCRA.

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