Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX XXXX XXXXXXXX for inaccurately reporting late payments on my credit card account ( Account Number : XXXX ), which is severely damaging my XXXX XXXX and causing me significant financial harm. My XXXX and TransUnion credit reports, generated on XX/XX/XXXX, show XXXX late payments that I assert are inaccurate due to XXXX XXXX XXXX  XXXX blatant failure to comply with 15 U.S. Code 1666b, which mandates that creditors send billing statements at least 21 days before the payment due date. This egregious non-compliance has resulted in unfair and inaccurate late payment notations on my credit report, and I demand that the CFPB investigate this issue immediately and XXXX XXXX XXXXXXXX XXXX XXXXXXXX to remove these erroneous late payments without delay. 
The XXXX XXXXXXXX XXXX XXXXXXXX account is reported on both my XXXX and TransUnion credit reports, but there are inconsistencies and inaccuracies in the reporting that further highlight XXXX XXXX XXXX  XXXX failure to ensure accurate information : XXXX Report : The account shows XXXX late payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). The balance is reported as {$1500.00} as of XX/XX/XXXX, with the account closed on XX/XX/XXXX. The payment history indicates XXXX ( closed ) for most months after XX/XX/XXXX, but the late payments remain, despite my assertion that I did not receive timely billing statements. 
TransUnion Report : The account also shows the same XXXX late payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), and XX/XX/XXXX ( 90 days ). However, TransUnion reports a balance owed of {$1500.00} as of XX/XX/XXXX, which conflicts with XXXX  reported balance of {$1500.00} as of XX/XX/XXXX. Additionally, TransUnion notes the last verified date as XX/XX/XXXX, while XXXX does not provide a last verified date, raising questions about the consistency and accuracy of XXXX XXXX XXXX  XXXX reporting practices. 
These discrepancies in the reported balances ( {$1500.00} on XXXX vs. {$1500.00} on TransUnion ) and the lack of consistent verification dates demonstrate XXXX XXXX Bank XXXX failure to maintain accurate and uniform records, further compounding the harm caused by the inaccurate late payment notations. I assert that these late payments are a direct result of XXXX XXXX XXXX XXXX failure to send billing statements at least 21 days before the payment due dates, as required by law. 
The inaccurate reporting of these late payments is severely damaging my XXXX XXXX, limiting my ability to secure favorable credit terms, and causing me significant financial harm. The emotional toll of dealing with these inaccuracies has been immense, as I am constantly worried about the long-term consequences of this incorrect reporting on my financial future, especially given my history of identity theft, which has already resulted in other fraudulent activity on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX actions are in clear violation of multiple federal laws, and I demand immediate action to rectify this injustice : 15 U.S. Code 1666b ( Timely Billing Statements ) : This statute explicitly requires creditors to send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. I did not receive billing statements for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at least 21 days before the due dates, which directly caused the late payments reported on my credit report. XXXX XXXXXXXX XXXX XXXXXXXX failure to comply with this law renders these late payment notations inaccurate and unlawful. 
FCRA, XXXX5 U.S. Code 1681s-2 ( Responsibilities of Furnishers ) : Under this section, furnishers of information like XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX obligated to ensure the accuracy of the information they report to credit bureaus and to correct any inaccurate or incomplete information upon dispute. The late payments reported for the aforementioned months are inaccurate because they stem from XXXX XXXXXXXX XXXX XXXX failure to provide timely billing statements, and their continued presence on my credit report is a direct violation of this provision. 
FCRA, 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ) : This section requires that furnishers and credit bureaus investigate disputed information and delete any information that can not be verified as accurate. I am disputing the accuracy of these late payments, and XXXX XXXX XXXX  XXXX must investigate and remove them if they can not verify that billing statements were sent in compliance with 15 U.S. Code 1666b.

FCRA, 15 U.S. Code 1681e ( b ) ( Accuracy of Reporting ) : This section mandates that credit bureaus and furnishers follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The discrepancies in the reported balances between XXXX ( {$1500.00} ) and TransUnion ( {$1500.00} ), combined with the inaccurate late payment notations, demonstrate XXXX XXXXXXXX XXXX XXXX failure to adhere to this standard, further violating my rights under the FCRA. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. XXXX XXXXXXXX XXXX XXXXXXXX non-compliance with this requirement has unfairly penalized me with late payment notations that do not accurately reflect my payment history or intent to meet my obligations, and I demand that these penalties be removed immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX failure to comply with these laws is not only a violation of my consumer rights but also a reckless disregard for their legal obligations as a furnisher of credit information. I will not tolerate this continued harm to my credit profile, and I expect the CFPB to hold XXXX XXXXXXXX XXXX XXXX  accountable for their actions.

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