Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Creditor Remarks : Closed Nature of the Complaint : Inaccurate Reporting : My credit report reflects late payments in XXXX and XX/XX/XXXX. However, I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. The reported late payments ( 30 days late in XXXX and 60 days late in XXXX ) are inaccurate and misrepresent my creditworthiness. 
Discrepancies in Reporting : TransUnion is reporting 30-day late payments for XX/XX/XXXX and 60-day late payments for XX/XX/XXXX. 
Both XXXX and XXXX do not report any late payments for these periods, highlighting inconsistencies in reporting accuracy across bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1681 ), which requires credit reporting agencies to ensure maximum accuracy of the information reported in consumer files. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation and may violate FDCPA protections for consumers.


Truth in Lending Act ( TILA ) : The reporting practices undermine the transparency mandated by TILA, which requires the accurate reporting of credit information. Additionally, the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ) mandates that credit reporting agencies and information furnishers correct inaccurate or incomplete information. Articles 616 and 617 ( 15 USC 1681n and 1681o )
outline the civil liabilities for willful and negligent noncompliance, including damages for failure to adhere to these provisions. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. Please update my account to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Copy of my personal identification document Copy of my recent credit report highlighting the discrepancies Thank you for your immediate 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