Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10966845
Complaint Overview
Complaint ID: 10966845
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Oregon
ZIP Code: 978XX
Date Received: 2024-11-27T12:00:00-05:00
Date Sent to Company: 2024-11-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( # XXXX ) as reflected on my credit reports from TransUnion, XXXX, and XXXX. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : XXXX XXXX Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. XXXX and TransUnion : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate. Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist. Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question. Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of completing the investigation. If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA. References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers. 15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information. 15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information. Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10966845 about?
Complaint #10966845 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-11-27T12:00:00-05:00.
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.