Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Subject : Dispute of Incorrect Late Payment Reporting XXXXXXXX XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the late payment reporting on my credit profile for my account called XXXX XXXXXXXX XXXX XXXX  The reported late payments are inaccurate and should be deleted, as I never held an account with XXXX XXXX but I was a victim of identity theft due to the XXXX data breach XXXXXXXX XXXX has violated my rights under 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. I never received such a statement from XXXX XXXXXXXX XXXX If they claim otherwise, they must provide verifiable proof, including a tracking number, showing that the statement was actually delivered to me. Failure to do so renders the late payment reporting invalid and in violation of federal law. 
Additionally, my rights under 15 U.S.C. 6802 have been violated, which prohibits financial institutions from disclosing consumer financial information without explicit consent. I never provided XXXX XXXX XXXX with permission to report my account information to any credit bureau, as I was never aware of this account as this account is a result of identity theft, and I am exercising my right to opt out of such reporting. I formally request that this information be removed from my credit file immediately. 
Furthermore, under 15 U.S.C. 1681s-2 ( 7 ), before furnishing negative information to a consumer reporting agency, the financial institution must provide a written notice to the consumer either before or within 30 days of reporting the negative information. I was never notified in writing of this negative information. XXXX XXXX XXXX XXXX  claim they provided such a notice, they must produce verifiable proof, including a tracking number. If they can not do so, the late payment must be removed from my credit report as required by law. 
In light of these violations, I demand that my account status be updated to reflect Paid as Agreed and removed entirely from my credit report. Failure to do so will leave me with no choice but to pursue legal action against both XXXX XXXX XXXX and this credit bure

au for non-compliance with federal consumer protection laws. I have attached copies of the relev
ant federal statutes, including : 15 U.S.C. 1666b Timely delivery of periodic statements 15 U.S.C. 6802 Consumer financial privacy rights 15 U.S.C. 1681s-2 ( 7 ) Notice requirements for negative credit reporting Please investigate this matter and respond in writing within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, 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