Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XX/XX/year>XXXX XXXX XXXXXX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of 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 a consumer 's file. In this case, the incorrect reporting of late payments on my account has persisted despite my previous disputes, violating this legal obligation. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, further contributing to the errors in my credit file. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity of accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has caused unjustified damage to my creditworthiness, violating these protections. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for issuing timely statements to avoid unfair penalties to consumers. The errors in my account 's late payment reporting show that this obligation was not met.

Pattern of Inaccuracies No account details were reported for XXXX, but this omission itself suggests that crucial information may not have been accurately submitted, leading to further discrepancies and confusion about my payment history. 
There are no late payments reported in XXXX, though the balance differs from TransUnion and should be corrected. These discrepancies across TransUnion, XXXX, and XXXX show a pattern of incorrect information regarding my payment history. The errors have negatively impacted my credit score despite my previous efforts to resolve the situation. 
I am formally requesting that these inaccuracies be corrected immediately, and that the late payment notation on my TransUnion report be removed. I also request that any balance discrepancies between the credit bureaus be investigated and corrected. 
If this issue is not resolved promptly, I reserve the right to pursue legal action and escalate my complaint with additional regulatory bodies to protect my consumer rights.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 
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