Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion and the Office of the Attorney General for FCRA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion and the Office of the Attorney General for their violations of the Fair Credit Reporting Act ( FCRA ). The reporting of this child support account is inaccurate, unverifiable, and has been placed on my consumer report without my consent, which constitutes a violation of FCRA 1681b and FCRA 1681c-2.

No Authorization for Credit Reporting ( FCRA 1681b ) I have reviewed my Agreed Final Decree of Divorce, and there is no language granting the Office of the Attorney General ( OAG ) or TransUnion permission to report my child support obligations on my credit report. Without explicit authorization, this reporting lacks a permissible purpose and is unlawful under FCRA 1681b. I have attached a copy of the Agreed Final Decree of Divorce as evidence that there is no legal basis for this reporting.

Unauthorized Reporting & Identity Theft ( FCRA 1681c-2 ) TransUnion has reported a child support account under my name without my consent, and I have not authorized this information to be included on my credit report. According to FCRA 1681b, a consumer report may only contain information that is authorized or has a permissible purpose. Because I did not give consent for this account to be reported, this qualifies as identity theft under FCRA 1681c-2, requiring its immediate removal. 

Additionally, FCRA 1681a states that consumer reports should not contain financial transactions or experiences that have not been expressly authorized by the consumer. Since I never gave consent for this account to be included, it must be deleted immediately. 

Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) Under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. TransUnion has reported incorrect information regarding this child support account, damaging my credit profile. 

Account Details : Entity Reporting : Office of the Attorney General Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Status : Open, {$12000.00} past due as of XXXX  XXXX  Monthly Payment : {$380.00} Last Payment Date : XX/XX/XXXX The past due amount reported is incorrect, and no documentation has been provided to support the accuracy of this reporting. Additionally, child support obligations are not required to be included on consumer reports, and without a signed authorization from me, this reporting violates my right to privacy. 

Failure to Conduct a Proper Investigation ( FCRA 1681i ) I previously disputed this account with TransUnion, yet they failed to conduct an independent and thorough investigation as required under FCRA 1681i. A valid investigation must include : Independent verification beyond information provided by the Office of the Attorney General.

Documentation proving the accuracy of the past due balance.

A detailed history of payments and official records confirming the validity of the reported debt.

Since TransUnion has failed to comply with these legal obligations, this information must be deleted immediately.

My Right to Privacy and Inaccurate Reporting According to FCRA 1681c, outdated, inaccurate, and unverifiable information can not be reported. Additionally, FCRA 1681a establishes that personal financial transactions should not be included unless explicitly authorized by the consumer.

This child support account was reported without my consent, is inaccurate, and lacks permissible purpose, which makes it unlawful for TransUnion to continue reporting it.

The CFPBs Role in Enforcing Fair Credit Practices Consumer reporting agencies are required to ensure fair and accurate reporting. By failing to investigate properly and reporting unverifiable information, TransUnion and the Office of the Attorney General are in violation of federal law.

Additionally, I do not consent to my disputes being processed through E-OSCAR, as this violates FCRA 1681i, which mandates an independent investigation rather than automated dispute resolution. 

What I Am Demanding I request that the CFPB take the following corrective actions : Order TransUnion to delete this child support account immediately due to failure to verify it properly. 

Order the Office of the Attorney General to cease reporting inaccurate information and provide documentation proving the accuracy of any reported debt. 

Hold TransUnion and the Office of the Attorney General accountable for failing to comply with federal law and impose financial penalties. 

Provide written confirmation that this account has been permanently removed from my credit file. 

I have attached a copy of the Agreed Final Decree of Divorce to support my claim that there is no legal basis for this account to be reported. If this matter is not resolved in a timely manner, I am prepared to escalate my legal actions, including filing a lawsuit under FCRA 1681n, which allows me to seek {$1000.00} per violation in damages. 

Please confirm receipt of this complaint and provide an update on the next steps in the investigation. I expect a timely and full resolution of this issue. 

Sincerely, XXXX XXXX