Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7176978

Complaint Overview

Complaint ID: 7176978

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Virginia

ZIP Code: 22407

Date Received: 2023-06-27T12:00:00-05:00

Date Sent to Company: 2023-06-27T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to file a formal complaint against TransUnion regarding the reporting practices of XXXX XXXX, specifically pertaining to the late payments on my XXXXXXXX XXXX XXXX for the months of XXXX and XX/XX/XXXX as well as XXXXXXXX XXXX XXXX. The Payments are still reporting late. These late payments have had a detrimental impact on my credit score and financial reputation, which I believe to be a direct violation of my rights as a consumer. On XX/XX/XXXX, I sent a certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reported on my credit profile. As outlined in my correspondence, these late payments are in clear violation of 15 U.S. Code 1666b - Timing of payments, which states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of the periodic statements. XXXX XXXX failed to adopt the necessary procedures to ensure the timely delivery of my statements. Consequently, I was unfairly burdened with the late payments in question, which were not my fault and should not have occurred. Additionally, I would like to bring to your attention that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. This further adds to my concern regarding the accuracy and validity of the reported late payments by XXXX XXXX. Furthermore, on XX/XX/XXXX, I sent another certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) directly to XXXX XXXX, invoking my rights pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In this letter, I explicitly requested that my personal information not be shared with any third parties, including TransUnion and other credit reporting agencies. I expect my privacy rights to be respected, and my personal information should not be shared without my consent. It is imperative that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act Of 1974 by ensuring the accuracy and up-to-date information within my credit report. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against TransUnion for their role in the inaccurate reporting of late payments and potential violation of my privacy rights. Thank you for your attention to this matter. I look forward to a prompt resolution and the rectification of the errors in my credit report.

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