Consumer complaint received 2024-09-21 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:
Subject : Urgent Demand for Removal of Inaccurate Late Payments XXXX XXXX XXXX  ( Account No : XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate late payment information being reported on my credit report for the account associated with XXXX XXXX XXXX account number XXXX. It has come to my attention that two late payments have been recorded, which is a clear violation of my rights and is categorically unlawful.

Violation of Privacy and Unauthorized Reporting : Under 15 U.S. Code 1681b, credit reporting agencies must have my explicit, written consent to report any personal information, including my transactions and experiences with businesses. I have never provided such consent to XXXX, TransUnion, or XXXX. Your actions in reporting this unauthorized information are tantamount to defamation of character and deceptive business practices, which could potentially fall under RICO statutes, given the financial benefits gained from this unauthorized and illegal reporting.

Violation of the Fair Credit Billing Act ( 15 U.S. Code 1666b ) : According to this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made within the required time frame. The reported late payments on my account violate this provision. I demand immediate removal of these inaccurate late payments from my credit report.

Violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 Section 602 and 604A ) : Section 602 of the FCRA clearly states that I have the right to privacy. Section 604A, subsection ( 2 ) further prohibits consumer reporting agencies from furnishing any account information without my written instructions. Your agency has violated my rights under these provisions, and I expect immediate corrective action to be taken. 

Given these multiple and severe violations of federal law, I demand that you immediately : 1. Remove all reported late payments on the XXXX XXXX XXXXXXXX account from my credit report.

2. Cease any and all unauthorized reporting of my personal and financial information.

Failure to comply with these demands within 15 days will leave me no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating a lawsuit for defamation of character and violation of my rights under the Fair Credit Reporting Act and Fair Credit Billing Act. Additionally, the unauthorized and illegal reporting of my private information constitutes a serious violation that could lead to further legal implications for your organization. 

Please treat this matter with the urgency it requires and confirm the removal of this incorrect information in writing. I expect your prompt and full cooperation in resolving this matter. 

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