Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13521254
Complaint Overview
Complaint ID: 13521254
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: Texas
ZIP Code: 77494
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
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, Texas, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX * * * *. Despite multiple written requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, constituting a violation of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Violations Committed : Fair Credit Reporting Act ( FCRA ) Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The continued reporting of this inaccurate late payment demonstrates a failure to comply with this requirement. 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of consumer credit files. In my case, this obligation has not been upheld. 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy in credit reports. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) states that certain transactions and experiences should not be considered part of a consumer report if they do not meet specific criteria. Truth in Lending Act ( TILA ) Violations : The TILA emphasizes the necessity of accurate and timely disclosures to consumers. The wrongful reporting of a late payment has damaged my creditworthiness, causing undue financial harm. Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S. Code 6801, 15 U.S. Code 6802, and 15 U.S. Code 6803 require financial institutions to protect consumer privacy and ensure the accuracy of financial reporting. The mishandling of my credit information suggests a failure to meet these obligations. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act holds creditors accountable for providing timely statements and preventing unfair penalties. The continued presence of this late payment on my report contradicts this protection. Identity Fraud and Misreporting - 18 U.S. Code 1028A : The continued reporting of false information could be classified as a misrepresentation of identity or fraudulent reporting, which carries legal consequences under federal law. Formal Request for Correction : I formally demand the immediate removal of the inaccurate late payment notation from my credit report. If this issue is not resolved immediately, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been met, and the account in question must reflect the status of " Paid As Agreed, Never Late. '' I request documented proof supporting the claim of late payments, including : Dates, amounts, and all communication records indicating that the payments were actually late. In the absence of valid proof, I expect an immediate correction of my credit report. If, after investigation, you fail to provide verifiable proof of late payments, I demand that the account be updated immediately to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I expect a timely investigation and a written response within 30 days from the receipt of this dispute letter. Failure to comply will be considered a direct violation of multiple federal laws. Discrepancies and Errors for Removal Inconsistent High Credit Reporting : TransUnion reports a high credit of {$1400.00}, whereas XXXXXXXX and XXXX report {$0.00}, indicating a discrepancy. Inconsistent Last Reported Dates : TransUnion and XXXX report the last update as XX/XX/XXXX, while XXXX shows XX/XX/XXXX. Payment History Discrepancies : TransUnion, XXXX, and XXXX report XXXX late payments in XX/XX/XXXX despite the payment status being marked as " Current. '' Account Status Inconsistency : Despite the account being marked as " XXXX, '' late payments are reported in XXXX and XX/XX/XXXX, which is contradictory. XXXX Requested : Immediate removal of the late payment notation from my credit report. Written confirmation of the correction. Acknowledgment of compliance with federal laws. I trust that you will promptly rectify this issue and ensure my credit report reflects accurate information. Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13521254 about?
Complaint #13521254 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 2025-05-14T12:00:00-05:00.
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.