Consumer complaint received 2024-12-07 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 : Dispute of Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment reporting on my credit report for the above-referenced account. After reviewing my credit report, I identified a 30-day late payment erroneously reported for XX/XX/XXXX on my ALLY FINCL account. This late payment is inaccurate, as I have always made timely payments on this account. 
Account Details Account Number : XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Joint account Dispute Status : Account not disputed Creditor Type : Finance, personal Account Status : Closed Payment Status : 30 days past due Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 75 months Past Due Amount : {$0.00} Account Type : Installment account Payment Frequency : Monthly Credit Limit : {$0.00} Discrepancies in Payment History According to the TransUnion-reported payment history, a 30-day late payment is listed for XX/XX/XXXX. This late payment is inaccurate, as my payment records indicate that all payments were made on time. 

Reference to Fair Credit Reporting Act ( FCRA ) Violations Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the information they report is accurate and verifiable. Specifically : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain inaccurate or unverifiable information related to transactions or experiences between me and the creditor.

15 USC 1666 ( b ) : Creditors must adopt reasonable procedures to ensure timely mailing of statements and accurate reporting of payments.

15 USC 1637 ( b ) : All periodic statements must contain complete and accurate information about payment due dates and amounts.

Requested Action I kindly request that TransUnion : Conduct a thorough investigation into the accuracy of the reported late payment.

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

Update the payment status for July 2019 to reflect " Paid As Agreed, Never Late. '' If you are unable to provide verifiable proof of the late payment, correct the reporting immediately to align with my accurate payment history.

Supporting Evidence I have attached the following documents to support my dispute : A copy of my credit report highlighting the inaccurate entry.

Personal identification documents for verification purposes.

Response Timeline Under the FCRA, you are required to complete your investigation and provide a written response within 30 days from the receipt of this dispute. If you can not verify the accuracy of the reported late payment, I expect it to be corrected promptly.

Thank you for your prompt attention to this matter. I look forward to your resolution and response within the time frame 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