Consumer complaint received 2025-01-19 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/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account XXXX XXXX XXXX ) To Whom It May Concern : I am filing a formal complaint against XXXX and TransUnion for failing to correct inaccurate information regarding a late payment reported on my credit report for the account XXXX XXXX Account XXXX XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX, 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 According to 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 for XXXX and XX/XX/XXXX on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of a late payment has caused undue harm to my creditworthiness by artificially lowering my credit score. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Discrepancies and Errors The following discrepancies remain on my account as of the last report : TransUnion and XXXX : Still report a 30-day late payment for XX/XX/XXXX, despite XXXX having already corrected the error and updated the information to reflect " OK '' for that period. 
XXXX : Correctly reports the XX/XX/XXXX payment as " OK '' and has removed the late payment notation. 
Account Details : Account Name : XXXX  Account Number : XXXX High Balance : {$5000.00} ( TransUnion, XXXX ) ; {$5700.00} ( XXXX ) Date XXXX : XX/XX/XXXX Account Status : Closed Account Rating : Paid Payment Status : Current Creditor Remarks : Account canceled by the grantor due to inactivity.

Two-Year Payment History : TransUnion and XXXX : Incorrectly report a XXXX late payment for XX/XX/XXXX. 
XXXX : Correctly reports all payments as " OK. '' Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from both TransUnion and XXXX. 
Written confirmation from both credit bureaus confirming the correction. 
Assurance that this error will not resurface in future reports. If this issue is not res
olved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), state Attorney General offices, and pursuing potential legal action under the FCRA, TILA, and PAANL. 
Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the corrections. 
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 explanation