Consumer complaint received 2025-01-28 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: DE

Complaint narrative:
CFPB Complaint : Request for Monetary Relief for Incorrect Late Payment Reporting Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX XXXX XXXX : TransUnion Account Holder : XXXX XXXX Complaint Type : Incorrect Credit Reporting / Late Payment Discrepancy Complaint Details : Dear Sir/Madam, I am filing a formal complaint against TransUnion regarding incorrect late payment reports that have been applied to my credit report for several accounts. This is my second complaint concerning this issue, and I am now requesting monetary relief due to the erroneous reporting of late payments that I have never made. I believe these reports are a violation of my consumer rights, and I am requesting immediate correction of the inaccuracies and compensation for any harm these false reports have caused to my credit standing and financial well-being. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Discrepancies : For each of the above accounts, TransUnion has reported late payments that were never made. I have reviewed my records thoroughly and can confirm that I made all payments on time. These errors have caused significant damage to my credit score and financial reputation, and despite my previous attempts to resolve the matter with TransUnion, these inaccurate reports remain on my credit report.

Consumer Protection Laws Violated : Fair Credit Reporting Act ( FCRA ) - Under the FCRA, consumer reporting agencies are required to maintain accurate and complete information in consumer credit files. TransUnions failure to correct the erroneous late payment entries is a direct violation of my right to have accurate information on my credit report.

Fair Debt Collection Practices Act ( FDCPA )- If these late payments are incorrectly attributed to me due to inaccurate information provided by third-party debt collectors, this would be a violation of the FDCPA, which prohibits misleading or deceptive actions regarding credit reporting. 

Credit Reporting Accuracy- According to 15 U.S.C. 1681i ( a ) of the FCRA, a consumer has the right to dispute inaccurate or incomplete information and to have it corrected or removed from their credit report in a timely manner. Despite notifying TransUnion of these errors in a previous complaint, they have failed to correct these issues.

Request for Resolution : I am requesting that Trans Union immediately : Investigate and correct these inaccuracies on my credit report by removing the reported late payments.

Provide a written confirmation that these corrections have been made.

Issue compensation in the form of monetary relief for the damages caused by the inaccurate reporting, which has impacted my credit score and caused undue harm.

I appreciate your timely attention to this matter and request that the issues outlined above be resolved without further delay.

Thank you for your assistance in correcting these errors. 

Sincerely, 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