Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently viewed my credit report and noticed an account ( XXXX ) that was not reporting accurately. I had lates payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. 

account ( XXXX ) that was not reporting accurately. I had lates payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates, XX/XX/XXXX, XX/XX/XXXX. 

account ( XXXX ) that was not reporting accurately. I had lates payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates, XX/XX/XXXX, XX/XX/XXXX. 

15 USC 1681b ( 3 ) ( A ) - Permissible Purpose - Credit Transactions To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 

15 USC 1681a ( 2 ) ( A ) ( i ) - Rules of Construction/ Remove Late Payments ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes. 

15 USC 1681e ( b ) - Compliance Procedure / Accuracy of your credit report and completeness. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i ( 5 ) ( A ) ( i ) - Account Deletion/ Investigate and Delete the Acct.

If, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 USC 1666B - Timing of Payments - Late Removal If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX XXXX  before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This is ILLEGAL, ITS A VIOLATION!.

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