Consumer complaint received 2024-09-18 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: OH

Complaint narrative:
Dear XXXX Customer Operations & Others, Your recent response in regards to Account Number : XXXX, including the payment history and verification, fails to address the core issue of inaccurate credit reporting and provides no sufficient proof to support the negative marks on my credit report. Despite your attempts to justify this, it is clear that your reporting of late payments for the months of XXXX, XXXX, and XX/XX/year> is inaccurate, misleading, and violates FCRA 1681s-2 ( b ).

Key Issues with Your Documentation : The payment history you provided shows that payments were not made on time due to your failure to act within the 90-day grace period, and the fact that these payments were " made by XXXX with account closure '' only proves your negligence in handling the account. This is a misrepresentation of the facts that has directly impacted my credit standing. 
Your statement regarding payment reminders being sent to my email does not constitute verifiable proof of delinquency. Simply sending reminders does not meet the legal requirements for accurate credit reporting under FCRA 1681e ( b ), which mandates the highest level of accuracy.

Reporting late payments when you closed the account and made payments on my behalf is not only misleading but also potentially fraudulent and a clear violation of federal law. 
Demands : Given your continued failure to address this issue with valid proof or a legitimate explanation, I demand the following actions be taken immediately : Immediate Removal : You must immediately remove all negative and inaccurate information regarding my XXXX Credit Builder Loan from all credit reporting agencies ( TransUnion, XXXX, etc. ). Your documentation does not support the claim of delinquency, and continued reporting is in violation of the Fair Credit Reporting Act. 

Cease Reporting : Until this matter is fully resolved, you are required to cease all reporting of this account to the credit bureaus. Failure to do so will be considered willful noncompliance and further damage my credit profile unlawfully. 

Legal Consequences : Your failure to act within 7 Days of receiving this email will result in immediate escalation. I am prepared to take the following steps : Initiate legal action for damages caused by this inaccurate reporting, seeking remedies under FCRA 1681n and 1681o, including statutory damages, punitive damages, attorney 's fees, and other associated costs. 

Conclusion : This is your final notice before I escalate this matter through legal channels. Your documentation is inadequate, and your reporting is in violation of federal law. I expect a full written confirmation of the removal of this inaccurate information from all credit bureaus within 7 days, or I will proceed with legal action without further communication.

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