Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10792151
Complaint Overview
Complaint ID: 10792151
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 32065
Date Received: 2024-11-13T12:00:00-05:00
Date Sent to Company: 2024-11-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I TOLD XXXX TO REMOVE THIS LATE PAYMENT, XXXX XXXX ... XXXX DAYS LATE..HOWEVER THEY SAID EVERYTHING WAS CORRECT..XXXX VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S. CODE 1666 ( b ) BILLING ERROR recently I checked my credit report and noticed a billing error under 15 u.s. code 1666 ( b ) billing error.AS I KNOW THE LAW STATES THAT THE BANK DID NOT NOTIFY ME XXXX DAYS BEFORE WITH A STATEMENT OR A MAILED LETTER, SO THERE SHOULD BE NO LATE PAYMENTS ON THIS ACCOUNTS..I DEMAND TO SEE HARD SOLID PROOF FROM THE CREDITOR THAT THEY MAILED ME A LETTER BEFORE THE DUE DATE AND PROOF THAT THEY SENT IT.THIS CREDITOR WAS SUPPOSE TO MAIL OBLIGOR A LETTER BEFORE THEY PUT A LATE PAYMENT ON THIS ACCOUNT..VIOLATION.15 U.S. CODE 1666b IS A LAW THAT GOVERNS THE TIMING OF PAYMENTS FOR XXXX ACCOUNTS, LINE OF CREDIT AND CREDIT CARDS ACCOUNT. ( MAIL OR DELIVER A PERIODIC STATEMENT TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE PAYMENT DUE DATE.CREDITORS CAN NOT TREAT A PAYMENT AS LATE UNLESS THEY HAVE REASONABLE PROCEDURES IN PLACE TO ENSURE THAT THE STATEMENT OR LETTER WAS DELIVERED TO THE OBLIGOR ON TIME.AS A CONSUMER BY LAW THIS LATE PAYMENT NEEDS TO BE DELETED IMMEDIATELY OR I WILL SEEK MONETARY COMPENSATION FOR VIOLATION OF MY RIGHTS IN SMALL CLAIMS COURT IN MY CITY AND STATE UNDER XXXX XXXX XXXX CIVIL LIABILITY BECAUSE I'VE BEEN VIOLATED.ALSO, WE ALREADY INVOLVED AND SENT A LETTER TO THE COMPLAINT PORTAL FOR ( CONSUMER FINANCIAL PROTECTION BUREAU, STATE ATTORNEY GENERAL 'S OFFICE, XXXX XXXX, AND FEDERAL TRADE COMMISSION.
Frequently Asked Questions
What is Complaint #10792151 about?
Complaint #10792151 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-11-13T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.