Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
To Whom It May Concern : This is my final attempt to resolve inaccuracies on my credit report amicably. My prior dispute highlighted violations of the Fair Credit Reporting Act ( FCRA ), yet the account in question was wrongly verified as accurate. I demand immediate correction of the following issues and removal of the inaccurate late payments from my credit report within 14 days.

Violations of FCRA Inaccurate Reporting ( 15 USC 1681s-2 ( a ) ) : You verified late payments despite my dispute, claiming disclosures were emailed 21 days prior to the due date. The FCRA and 15 USC 1666b require disclosures to be physically mailed 21 days before each due date, per 15 USC 1637 ( b ). I have not received these disclosures, rendering the late payments inaccurate and unauthorized.

Failure to Provide Investigation Details ( 15 USC 1681i ) : You have not provided a detailed description of your investigation process, including steps taken, laws/records reviewed, personnel involved, and criteria used to verify the late payments. This violates FCRA requirements for transparent reinvestigation.

Lack of Disclosure Evidence ( 15 USC 1666b ) : You failed to provide proof that required disclosures were mailed 21 days prior to the due date, as mandated. This failure invalidates the reported late payments. 

These inaccurate late payments have caused significant harm, including credit denials and financial hardship, violating my FCRA rights. 
XXXXmmediate Removal : Delete the late payments and update the account to " Paid as Agreed '' on my consumer report.

Provide Documentation : Submit a detailed investigation report, as required by 15 USC 1681i.

Legal Contact : Provide your companys attorney contact information ( including bar number ) or legal department email for potential arbitration, per your Card Agreement.

Consequences of Noncompliance Failure to comply within 14 days will result in Pursuit of arbitration or litigation under 15 USC 1681n ( willful noncompliance ) and 15 USC 1681o ( negligent noncompliance ) for damages, attorneys fees, and costs.

Submission of all correspondence as evidence of FCRA violations in legal proceedings.

Supporting Evidence Attached are documents proving the late payments are inaccurate ( e.g., payment records, account statements ). Eight late payment periods are reported, all of which violate 15 USC 1681s-2 and 15 USC 1666b .

Mark this account as in dispute and update it to " Paid as Agreed '' within 14 days. Provide an updated credit report reflecting these changes. If violations persist, I request you advance arbitration filing fees per your Card Agreement. 
Thank you for your prompt attention. I hope to resolve this without further escalation. 
Sincerely,

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