Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12341353

Complaint Overview

Complaint ID: 12341353

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: Investigation took more than 30 days

State: Illinois

ZIP Code: 60628

Date Received: 2025-03-05T12:00:00-05:00

Date Sent to Company: 2025-03-05T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This is reference to a CFPB Complaint ID # XXXX I submitted XX/XX/XXXX to TransUnion. TransUnion took longer than allowed 30 days timeframe to respond without filing an extension. I demand that my original dispute mentioned below be deleted immediately from TransUnion credit report : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear Credit Reporting Agency ( s ), I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt. 2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement. XXXX. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. Without this evidence, the creditor can not lawfully report a payment as late. Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXXXXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. Sincerely, XXXX XXXX XXXX

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Transunion Intermediate Holdings, INC. Company Profile
• Credit reporting or other personal consumer reports Complaints
• Problem with a company's investigation into an existing problem Complaints
• Illinois Complaints
• Company Rankings
• Company Directory
• Search Complaints