Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payments for Account Ending in XXXX Dear CFPB, I am submitting this formal complaint against TransUnion for failing to correct inaccurate late payment information reported on my credit file for CRB Sunlight account ending in XXXX. ** Despite submitting multiple disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has neither corrected the errors nor provided sufficient justification for maintaining these inaccuracies. This negligence is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable consumer protection laws. 
Errors and Discrepancies in Reporting TransUnion reported the following inaccurate late payments : 30 days late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late : XX/XX/XXXX However, XXXX reported no late payments, and XXXX failed to report any data for this account. These discrepancies clearly demonstrate that the reported information is inconsistent and inaccurate, significantly harming my credit profile and financial standing. 
Relevant Account Details Account Number : XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Violations of Consumer Protection Laws FCRA Violations 15 U.S.C. 1681i : TransUnion has failed to conduct a reasonable investigation into my disputes and ensure the accuracy of the information reported.

15 U.S.C. 1681e ( b ) : TransUnion is required to maintain procedures to ensure maximum possible accuracy, which it has failed to do in this case.

TILA Violations 15 U.S.C. 1666b : Creditors are obligated to provide periodic statements at least 21 days before a payment is due. The reported late payments indicate a failure to comply with this requirement, suggesting a lack of timely notice.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes creditors ' responsibility to provide accurate and timely statements to consumers, which has been disregarded in this instance.

Impact on My Credit and Financial Well-Being The inaccurate late payment reporting has negatively impacted my creditworthiness, leading to unfair penalties and potential denials of credit. These errors are not only unjust but also a violation of my federally protected consumer rights.

Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the corrections once completed. 
If this issue is not resolved promptly, I will have no choice but to escalate this complaint further by seeking legal action and filing additional grievances with other regulatory agencies. 
Thank you for addressing this urgent matter. Should you require further information or documentation, I am available to assist promptly. 
Sincerely, XXXX XXXX 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