Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Formal Dispute and Request for Deletion of Inaccurate Late Payment Reporting under FCRA XXXX ( XXXX ) ( A ) ( i ), XXXX  XXXX, and XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the inaccurate and adverse reporting of XXXX or more alleged late payments on my consumer credit file in connection with the account identified below. This correspondence shall serve as my official demand for correction and removal of these derogatory entries pursuant to my rights under federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( XXXX  ), and Regulation XXXX of the Consumer Financial Protection Bureau ( CFPB ). 

I. ACCOUNT INFORMATION REVVIMRV BANKSVT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Affected : XXXX, TransUnion, XXXX XXXX VIOLATIONS OF FEDERAL LAW Failure to Conduct Reasonable Investigation FCRA XXXX ( XXXX ) ( A ) ( i ) : As a data furnisher, you are obligated to investigate disputes thoroughly and correct any information found to be inaccurate, incomplete, or unverifiable. The reporting of a late payment without conclusive evidence or original account documentation that proves the delinquency violates your duty to maintain maximum possible accuracy under 15 U.S.C. XXXX ( b ). 

Improper Assessment of Late Fees and Reporting XXXX XXXX : Under 15 U.S.C. XXXXb, no payment may be treated as late if received within XXXX  days of the statement date. If your internal processing or mailing timeline interfered with my ability to remit timely payment, and you failed to provide a reasonable billing cycle, then the reported delinquency is procedurally and legally invalid. 

Billing Error Resolution XXXX XXXX XXXX : Pursuant to XXXX XXXX XXXX ( c ), I am entitled to dispute billing errors within XXXX days of the alleged issue, and you are required to cease reporting derogatory information until the dispute is resolved. If such billing errors or payment misapplications have occurred and no resolution has been issued, continued reporting is a regulatory violation and grounds for legal recourse. 

XXXX. FORMAL DEMAND FOR CORRECTIVE ACTION Accordingly, I hereby demand that you : Conduct a formal reinvestigation of the reported late payments associated with this account. 

Provide full documentation substantiating the reporting, including account ledger, payment processing records, and timestamps showing actual delinquency beyond the statutory billing window. 

If such documentation can not be produced or verified as accurate under federal law, you are required to : Immediately delete the late payment notations from all consumer reporting agencies to which it was furnished. 

Issue updated reports to XXXX XXXX and TransUnion reflecting the accurate status of this account. 

Provide me with written confirmation of the deletion and corrective action taken. 

IV. NOTICE OF LEGAL LIABILITY Be advised, if this matter is not resolved within XXXX calendar days of receipt of this notice, I will escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's XXXX, and will consider initiating civil litigation under 15 U.S.C. XXXX and XXXX for willful and negligent noncompliance.

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