Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
LEGAL DEMAND FOR REMOVAL AND PRODUCTION OF INVESTIGATION RECORDS Account : XXXX  XXXX XXXX [ Account Number ] This letter constitutes a formal legal demand under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX et seq. I am disputing the accuracy of XXXXday late payments reported on my XXXX  XXXX  XXXX account for XX/XX/year> and XX/XX/year>, and demanding immediate removal based on your failure to conduct reasonable reinvestigation as required by federal law. 

I categorically state that my payments to XXXX  XXXX XXXX for both XX/XX/year> and XX/XX/year> were made on time. These reported late payments are inaccurate and do not reflect my actual payment history. I have been a responsible borrower who makes payments on time, and these false derogatory marks are unfairly damaging my creditworthiness and limiting my access to credit on favorable terms. 

Your company has violated multiple provisions of the FCRA by reporting and maintaining inaccurate information on my credit report. Under XXXX U.S.C. XXXX ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of information. Reporting late payments that did not occur violates this fundamental requirement. Under XXXX U.S.C. XXXX ( a ) ( XXXX ), when information is disputed, you must conduct a " reasonable reinvestigation '' of the disputed information. Any previous investigations you may have conducted were inadequate if they failed to verify the accuracy of these payment dates. Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), if reinvestigation does not confirm the accuracy of disputed information, you must delete it from the consumer 's file. Since these late payments are inaccurate, they must be removed immediately. 

I hereby demand that you immediately provide me with the following documentation related to any investigation of disputes regarding my XXXX  XXXX XXXX account, as I am entitled to this information under the FCRA and to evaluate the adequacy of any reinvestigation. First, provide complete copies of all Automated Consumer Dispute Verification ( XXXX  ) forms sent to XXXX  XXXX XXXX regarding disputes on my account, including all codes, fields, and data transmitted. Second, provide all responses received from XXXX XXXX XXXX, including any Method of Verification ( XXXX  ) documentation, supporting records, or verification materials they provided to substantiate the reported late payments for XX/XX/year> and XX/XX/year>. Third, provide your complete investigation file for any disputes on my account, including all internal communications, notes, procedures followed, and decision-making records. XXXX, provide documentation of what specific investigation procedures you followed beyond simply accepting data furnisher responses. XXXX, provide any analysis you conducted regarding the accuracy of the reported payment dates for XX/XX/year> and XX/XX/year>. XXXX, provide documentation showing what efforts you made to independently verify the accuracy of these late payment reports. 

If you can not provide this documentation, or if the documentation shows that you failed to conduct reasonable reinvestigation to verify the accuracy of these late payments, you must immediately delete the disputed late payments from my credit report as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). Your failure to verify the accuracy of payment information, combined with my direct assertion that these payments were made on time, mandates removal of this inaccurate information. 

I also demand immediate removal of the disputed 30-day late payments for XX/XX/year> and XX/XX/year> from my TransUnion credit report, written confirmation of removal within XXXX business days, notification to all third parties who received my credit report in the past XXXX months regarding the correction, and production of all investigation documentation listed above within XXXX  business days. 

This demand is made under penalty of federal litigation. If you fail to comply within XXXX calendar days of receipt, I will file a federal lawsuit under XXXX U.S.C. XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ) seeking statutory damages up to {$1000.00}, actual damages, punitive damages, attorney fees, and court costs. I will also file complaints with appropriate regulatory authorities including the state attorney general. 

Your continued reporting of inaccurate late payment information demonstrates either willful disregard for FCRA requirements or negligent failure to follow proper verification procedures. Either basis supports federal litigation with significant monetary exposure for your company. The evidence strongly supports my position : I made my payments on time for both XX/XX/year> and XX/XX/year>, and any reporting to the contrary is false and damaging to my credit profile. 

I am preserving all records related to this matter for potential litigation, including credit reports showing the inaccurate late payments and documentation of damages caused by your false reporting. Your company 's responsibility under federal law is clear : ensure accuracy of reported information or face legal consequences for violations. 

This is your final opportunity to resolve this matter before I pursue all available legal remedies. The law is clear, the facts support my position, and your liability exposure is significant. I strongly advise immediate compliance with this demand to avoid costly federal litigation. 

Respond within XXXX days with confirmation of removal and production of investigation records, or expect to receive a federal lawsuit.

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 explanation