Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
What Happened : I have repeatedly sent payments to Discover for my account ending in XXXX via registered mail with XXXX, and XXXX has confirmed delivery to the address provided by XXXX. Despite this, XXXX continues to report my payments as late, which is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have contacted Discovers customer service multiple times, where I was given different addresses for payment submission, yet XXXX either claims they have not received the payments or does not acknowledge receipt. 

In addition to these issues, I am opting out of having my credit card utilization reported to the credit bureaus. Despite my right to opt out, as provided under relevant privacy laws, XXXX has continued to report this information without my consent. Furthermore, I do not receive a monthly privacy statement from XXXX, which is required to inform me of my rights and options regarding the reporting of my personal information. 

Applicable Laws : Discovers actions violate several federal laws and regulations : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : This statute mandates that furnishers of information must report accurate information to credit reporting agencies. Discovers continued reporting of my payments as late, despite confirmation of payment receipt, is a clear violation.

15 U.S.C. 1681e ( b ) : This requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. Discovers failure to update the payment status accurately reflects non-compliance with this requirement.

12 CFR 1022.42 : This regulation demands accuracy in the information provided to consumer reporting agencies. Discovers inaccurate reporting of my payment status violates this regulation.

12 CFR Part 1016 ( Regulation P ) : This regulation governs the treatment of nonpublic personal information by financial institutions, requiring them to provide a privacy notice. XXXX has failed to provide me with a monthly privacy statement, which is required to allow me to opt out of certain types of information reporting. 
15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : This law requires financial institutions to provide customers with a privacy notice that explains their information-sharing practices and allows customers to opt out of certain types of information sharing. XXXX has not provided me with the required privacy notices, nor have they honored my right to opt out of reporting my credit card utilization.

15 U.S.C. 1681n ( a ) : Under this statute, any entity that willfully fails to comply with the FCRA is liable for damages of at least {$1000.00} per violation. Discovers continuous misreporting of late payments, despite evidence of timely payment, and their failure to provide a privacy statement, constitute willful non-compliance.

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