Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payments and consumer misinformation ( CMI ) on my credit report. Upon reviewing my credit report, I discovered inaccuracies that require immediate correction to ensure compliance with federal laws.Under 15 U.S.C. 1666b This statute under the Fair Credit Billing Act ( FCBA ) governs the proper posting and crediting of payments. If payments were not properly applied or were mismanaged by the creditor, the reported late payments are not valid and should be immediately corrected or deleted.

15 U.S.C. 1681n Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are liable for willful noncompliance with credit reporting requirements. The inaccurate reporting of late payments and incorrect consumer information constitutes a violation of this statute, making the credit bureau and creditor potentially liable for damages.

15 U.S.C. 6802 Under the Gramm-Leach-Bliley Act, financial institutions are required to protect the confidentiality and accuracy of consumer information. The presence of inaccurate consumer information ( XXXX  ) and misreported late p
ayments violates the accuracy and privacy protections outlined in this statute.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) This statute mandates that credit reporting agencies conduct a reasonable investigation upon receipt of a dispute from a consumer. If the information can not be verified or is found to be inaccurate, the credit bureau must promptly delete or correct the disputed information.

15 U.S.C. 1681e ( b ) Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Failure to maintain accurate information is a violation of this requirement.

15 U.S.C. 1681s-2 ( b ) Furnishers of information ( such as creditors ) are required to conduct a reasonable investigation upon receiving notice of a dispute and to correct or delete any inaccurate information.

15 U.S.C. 1681o Negligent noncompliance with the FCRA entitles the consumer to actual damages and legal fees.

I am also requesting removal of these hard inquires as they were not authorized by me the consumer in accordance with the FCRA. If permissible purpose can not be provided these inquiries must be deleted per 15 U.S.C. 1681b ( f ) This section prohibits any person or entity from obtaining or using a consumers credit report without a permissible purpose.

15 U.S.C. 1681i If any information on a consumers credit report is inaccurate, incomplete, or can not be verified, the credit reporting agency is required to delete or correct the information within 30 days of receiving the dispute.

15 U.S.C. 1681b ( a ) This statute outlines the permissible purposes for accessing a consumers credit report. A hard inquiry may only be reported if there is a legitimate and authorized reason, such as : A consumer-initiated request for credit or insurance A court order or subpoena A written authorization from the consumer

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