Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Date : XX/XX/year> To : TRANSUNION XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unverifiable Late Payment and Update of Credit Report Dear TRANSUNION I am writing to formally notify you of a recent update to my credit report and to request the removal of an unverifiable late payment from my file. My name is XXXX XXXX, and I have been actively monitoring my credit reports. I recently disputed a late payment on my XXXX credit report on XX/XX/year>, which was fully investigated and resolved by XXXX. On XX/XX/year>, XXXX removed the disputed late payment from my report after concluding that it was inaccurate and unverifiable. 

As a result of this update, I respectfully request that you review my credit report, specifically the account in question, and remove the unverifiable late payment that is currently being reported by your bureau. If XXXX has deemed the late payment to be unverifiable and has removed it from my credit report, the same logic should apply to your investigation of this account. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Specifically, Section 1681i of the FCRA requires credit reporting agencies to conduct a reasonable investigation when a dispute is made and to remove any information that can not be verified. If the late payment in question is not verifiable, it must be removed from my credit file.

Moreover, under Section 1681e ( b ) of the FCRA, credit bureaus are required to maintain accurate and up-to-date information on consumer credit reports. If any information is found to be unverifiable, it is in violation of my rights as a consumer, and I am entitled to have it removed.

I kindly request that you remove this unverifiable late payment from my credit report within 30 days from the receipt of this letter. Failure to do so will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, including potential claims under the FCRA, for failing to comply with my rights to accurate credit reporting.

If the late payment is not removed within 30 days, I will be forced to explore all available legal options, including filing a lawsuit for damages related to the inaccurate reporting. Under the FCRA, consumers are entitled to seek statutory damages, punitive damages, and attorney fees for violations of the Act.

Please acknowledge receipt of this request and provide me with a response within the required 30-day period. I expect your prompt attention to this matter and trust you will comply with the law.

Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- Consumer Rights and Relevant Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : Protects consumers by ensuring the accuracy and privacy of information in credit reports.

FCRA Section 1681i : Ensures that disputed information is investigated, and any unverifiable information is removed from the consumers credit report.

FCRA Section 1681e ( b ) : Requires credit bureaus to maintain accurate and up-to-date information.

Potential Legal Action : If the credit bureaus do not comply, you can pursue legal action for damages under the FCRA.

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