Consumer complaint received 2025-04-08 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: IN

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding TransUnions handling of a dispute I submitted concerning inaccurate and potentially unlawful reporting on my credit report. Please find attached the letter I received from TransUnion dated XX/XX/year>, indicating the results of their investigation. 

Despite providing appropriate documentation disputing late payments that were inaccurately reported, TransUnion has failed to sufficiently verify the accuracy of the reported information or provide clarity on the actions taken. Their form response does not specifically address the items in question or confirm whether the data furnisher was able to substantiate the late payment ( s ) with documented evidence.

My Concerns Include : Lack of Transparency in the Investigation Process : TransUnions response does not detail which specific action was taken from their list of possibilities, leaving me uncertain whether the late payment was verified, deleted, or left unchanged without validation.

Possible Violation of Late Payment Reporting Regulations : Under the Fair Credit Reporting Act ( FCRA ) and guidance provided by the CFPB, data furnishers are required to report accurate and verifiable information. If a payment is reported late, the furnisher must be able to provide documentation proving that it was indeed more than 30 days past due.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : Furnishers must not report information that they know or have reasonable cause to believe is inaccurate.

If a late payment can not be substantiated with billing statements, payment records, or written communication with the consumer, then the account should not be reported as delinquent.

Additionally, the CFPB notes that a late payment must be at least 30 days past due before it is reported to a credit bureau. If it is not, then the reporting constitutes an inaccuracy.

Inadequate Dispute Resolution : I believe that TransUnion may not have conducted a thorough investigation as required under the FCRA. The investigation process must include forwarding all relevant documents I submitted to the data furnisher and ensuring a reasonable
investigation is completed. Simply marking the item as " previously verified '' is not sufficient unless the item is verified with actual supporting evidence.

Resolution Sought : I request a full re-investigation of the disputed item ( s ) with transparency on the documents used to verify the information.

If the data furnisher can not provide documented proof of the reported late payment, I request immediate deletion of the item from my credit report.

I also ask that the CFPB review TransUnion 's handling of this dispute to determine whether they are adhering to FCRA standards and consumer protection guidelines.

Thank you for your assistance in resolving this matter. Please let me know if you require any additional documents or information from my side.

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