Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. The late payment notation on my account is inaccurate, and despite prior disputes, no corrective action has been taken. This failure constitutes a violation of my federally protected rights. 
TILA Violations According to 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure by the creditor to meet these disclosure requirements, impacting my creditworthiness and ability to secure favorable terms on credit products. 
Summary of Dispute The late payments reported on my credit file are as follows : 30 days late for XX/XX/XXXX 60 days late for XXXX and XX/XX/XXXX 90 days late for XX/XX/XXXX These late payment notations are inaccurate and do not align with my payment history. The lack of verification and continued reporting of these late payments suggest a failure on TransUnions part to conduct a reasonable investigation as required under the Fair Credit Reporting Act. 
Evidence of Error Although I do not have access to payment records or correspondence from the creditor, the inconsistencies in reporting highlight errors that should be verified through a proper investigation. The discrepancies between the late payment dates and my documented disputes further prove the inaccuracy of the reporting. 
I request that TransUnion reach out to the creditor directly to verify the accuracy of the reported information and remove the incorrect late payment notations from my credit report. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as permitted under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
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