Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing once again to follow up on a previous dispute regarding inaccurate late payment information currently being reported on my credit file. Despite my initial request and the supporting documentation provided, the accounts in question remain uncorrected. Because of your failure to resolve this issue based on clear legal grounds, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This letter serves as my final demand for resolution before I pursue additional legal remedies. 

Accounts in Dispute : XXXX Account Number : XXXX Under 15 U.S.C. 1666B, this is a billing error. I have always paid this account on time and as agreed. The late payment entry is inaccurate and a violation of federal law. 

XXXX Account Number : XXXX This account is invalid and should be removed entirely from my credit report. 

XXXX XXXX  Account Number : XXXX This is another billing error under 15 U.S.C. 1666B. The account was always paid on time, and the reported late payment is inaccurate. 

Why This Is a Violation of Federal Law : FCRA 1681e ( b ) : You are obligated to maintain accurate and complete credit data. Reporting a late payment when I had no opportunity to resolve it is neither accurate nor complete. 

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The creditor must report information fairly and responsibly. If I was not properly notified prior to the late payment being reported, this duty was violated. 

FCRA 1681i ( a ) : Since I exercised my right to dispute this information, and if the creditor can not verify that notice was provided, you are legally obligated to delete the late mark. 

Despite raising these concerns in my original dispute, you failed to perform a reasonable investigation or take corrective action. As such, Ive reported this mishandling to the CFPB, and I am prepared to escalate this matter further if necessary. 

What I Am Requesting : Reinvestigate each of the accounts listed above immediately. 

Require the creditors to provide written proof including dated notifications, statements, or correspondence showing I was properly informed of the missed payment ( s ). 

If they can not provide adequate documentation, permanently delete the late payments and/or accounts from my credit report. 

Provide me with written confirmation of the deletions and an updated copy of my credit report within 15 business days. 

If this matter is not resolved, I will proceed with additional complaints to the FTC, state Attorney General, and consider filing legal claims under FCRA 616, which allows for up to {$1000.00} per violation, plus actual damages and attorney fees. 

I am not asking for anything unreasonable only for accurate reporting and compliance with federal law.

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