Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Overview of Problem -- -- -- -- -- -- -- -- -- - Despite providing clear and convincing evidence that proves beyond any doubt that I paid a lien in XXXX XXXX, TransUnion will not change my credit report to reflect the correct payment date. 


Details -- -- -- - I paid a State Department of Revenue ( SDOR ) state tax lien in full XXXX XXXX. 

The SDOR failed to report the payment to the County Superior Court ( CSC ) for recording until XXXX XXXX, over 2 years late. 

Because the CSC records the release date as the date the SDOR transmits the information, the public record reports the release date as XXXX XXXX. 

After the release was filed in XXXX XXXX, I requested the CSC record a corrected document stating the proper release date of XXXX XXXX. 

The CSC would not record a corrected release, so I requested help from the SDOR commissioner in correcting this error. The SDOR was successful in getting the CSC to add a notation to the official record that the payment was made in XXXX XXXX, but the CSC still would not refile the release with the correct date. 

I submitted a request to TransUnion that this be changed on my credit report. The result stated that the item was reporting correctly and thus was not removed. The notation made by the CSC was evidently not enough proof. 

In XXXX, I wrote to the new SDOR commissioner. This resulted in the local XXXX providing a signed letter stating that the improper recording date was not my fault, and that I paid the full amount in XXXX XXXX. 

I again submitted a dispute to TransUnion. TransUnion responded again that the item was reporting correctly. The letter from SDOR, the creditor, stating the correct payment date was not accepted as proof of the release date. 

To recap, the CSC may be the reporting agency, but they are NOT the party to which the money was owed. In the mind of the CSC, they are reporting the item correctly. However, the party to which the money was owed, the SDOR, confirms payment was made in full in XXXX XXXX. The SDOR also acknowledges it did not transmit the payoff information to the County Superior Court ( CSC ) in a timely manner for recording. In fact, it was over 2 years late. 

Therefore, this item 's payment date should be reflected correctly on my credit report. If so, it will be well past the seven year threshold for removal. 

Companies that wield as much power over consumers as does TransUnion should be held to an extremely high standard. In my opinion, the company falls well below such a standard. They have not gone beyond a cursory check of public records to examine the evidence I 've provided and report this item correctly in my credit file. This practice is resulting in derogatory information on my credit report which should not be included. 

The SDOR has attempted to help me twice to correct their error. I want TransUnion to do the right thing and correct my report. 

Documents uploaded for reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 ) Official check for payment 2 ) 'Release of State Tax Execution ' updated with correct payment date 3 ) Letter from SDOR stating correct payment date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief