Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed inaccuracies in the reporting of late payments on the following account : Account Details : Account Number : XXXX High Balance : {$520.00} Last Verified : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Paid or paying as agreed Discrepancies Identified : The late payment reported for XX/XX/XXXX on this account by TransUnion is inaccurate. To the best of my knowledge and supporting records, I have consistently paid this account on time, in accordance with the agreed-upon terms. Additionally : The payment history for XX/XX/XXXX is incorrectly reported as " XXXX  days late '' in the XXXX XXXX XXXX section. However, my records confirm that the payment was made on time. 
The " Days Late - XXXX  Year History '' section for TransUnion shows XXXX XXXX late payment, which is erroneous. 
XXXX and XXXX have not reported any late payments for this account, indicating inconsistency among the credit bureaus. 
Legal Basis for Dispute : Violation of Accuracy Requirements : Under 15 USC 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of the information included in consumer reports. The late payment reporting for XX/XX/XXXX does not meet this standard. 
Violation of FCRA : As per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), a consumer report should not contain inaccurate information relating to transactions or experiences solely between the consumer and the reporting entity. 
Requirement for Reasonable Procedures : Under 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation to verify the accuracy of disputed information. 
Request for Evidence : I request documented proof supporting the claim of a late payment for XX/XX/XXXX. This proof should include specific details such as : Dates of the alleged late payment. 
Amounts due and paid. 
Any relevant communication or notices sent by the creditor indicating the payment was late. 
In the absence of valid proof, I demand the account be updated promptly to reflect its accurate status as " Paid As Agreed Never Late. '' Additional Requests : Furthermore, I request that you provide, in writing, the reasonable procedures adopted under 15 USC 1666 ( b ) to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date, as required by 15 USC 1637 ( b ).

Required Actions : Provide a description of the investigation process per 15 USC 1681i ( a ) ( 7 ).

Conduct a thorough reinvestigation into the disputed late payment. 
Provide documented evidence supporting the late payment claim. 
Update the account status to reflect accurate reporting if no valid proof is found. 
Respond within 30 days from the receipt of this dispute letter, as mandated by the FCRA. 
Your cooperation is critical to maintaining the accuracy and fairness of my credit report. Please address this matter promptly to avoid further escalation. 
Thank you for your attention to this important matter. 
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