Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Here 's a draft of your FCRA Section 609 dispute letter : -- - XXXX -- XXXX : XXXX ** [ Your Address ] ** ** [ City, State, ZIP Code ] ** ** [ Email Address ] ** ** [ Phone Number ] ** ** [ Date ] ** **XXXX XXXX XXXX** ** [ Address of XXXX XXXX XXXX XXXX ** ** [ City, State, ZIP Code ] ** **RE : Dispute of Late Payment Reporting on Closed Credit Card Account [ Account Number : XXXX ] ** Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my closed XXXX XXXX XXXX  credit card account for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ) Section 609 and the Truth in Lending Act ( TILA ) 15 USC 1666B, I request that you provide proof and verification of the accuracy of these reported late payments. Specifically : 1. **Verification of Payment Timing** : According to 15 USC 1666B , creditors must send billing statements at least 21 days before the payment due date. I have not received these statements within the required timeframe, nor have they been sent via certified mail.

2. **Cease and Desist Violation** : I have previously served XXXX XXXX XXXX with a cease and desist letter, yet my requests to have the late payments removed have been unjustly verified without proper evidence. 

3. **Request for Evidence** : Please provide : - Copies of all billing statements for the months in question, showing the date they were mailed. 
- Proof that these statements were sent at least 21 days before the due dates. 
- Documentation of how the verification of the late payments was conducted. 

Failure to provide this evidence within 30 days will confirm that the reported information is inaccurate, and I expect these late payments to be removed from my credit report immediately. 

Furthermore, I want to remind you that continued reporting of these payments as late, especially after the account has been closed, is a violation of federal law. The lack of a 1099 form after the account was charged off is another violation, as is the unauthorized use of my credit card and personal information. This situation has escalated to the point where I am prepared to pursue legal action for adverse action, extortion, racketeering, identity theft, fraud, and unauthorized use of my credit card.This is my final request for the removal of these inaccurate late payment entries. If this matter is not resolved promptly, I will have no choice but to seek legal remedies.Please provide a written response confirming the removal of these entries or supplying the requested verification and evidence.Thank you for your prompt attention to this matter. 

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