Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11392280
Complaint Overview
Complaint ID: 11392280
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: Missouri
ZIP Code: 63011
Date Received: 2025-01-05T12:00:00-05:00
Date Sent to Company: 2025-01-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Dispute of Late Payments Under 15 U.S.C. 1666 Fair Credit Billing Act Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute late payment information reported to my credit file by [ XXXX XXXX XXXX XXXX ]. The reporting of these late payments is inaccurate and does not comply with the requirements of 15 U.S.C. 1666 under the Fair Credit Billing Act, which governs the timing and proper crediting of payments. The details of the disputed late payments are as follows : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] The payment in question was made on time, but it appears that [ reason for the dispute, e.g., " the payment was not credited promptly, '' " a billing error occurred, '' or " processing delays led to the incorrect report of a late payment '' ]. Pursuant to 15 U.S.C. 1666, payments must be credited on the date received, and billing errors must be resolved promptly by the creditor. I have enclosed the following documentation to support my dispute : Copies of payment records ( e.g., bank statements, canceled checks, or payment confirmations ) showing the payment was made on time. A copy of my credit report highlighting the disputed late payment. XX/XX/XXXX was the released date on the title and also the date I was completely done paying off the loan but XXXX XXXX XXXX XXXX are continuing adding late payments on my credit report on a loan that was never late and paid off a year ago. I kindly request that the Credit Bureaus and XXXX XXXX XXXX investigate this matter, ensure the correction of my credit report, and confirm compliance with applicable federal laws. Please notify me in writing regarding the outcome of your investigation and provide guidance on how this matter will be resolved. Thank you for your time and attention. Should you require further information, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11392280 about?
Complaint #11392280 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 2025-01-05T12:00:00-05:00.
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.