Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The following explains an issue that I have, which has yet to be corrected as of this date XX/XX/XXXX. <P/><P/>TransUnion File # : XXXX, Tax Lien Release Re-dispute Dear Transunion LLC, I would like to put into dispute an item TransUnion placed on my Credit Report ( a copy of TransUnion Credit Report is attached with the yellow highlighted items ). <P/><P/>The attached TransUnion Credit Report, dated XX/XX/XXXX, on Page One, lists the following under Public Records, with the Registry of Deeds for XXXX XXXX County, in XXXX, Massachusetts : Two tax liens had been placed on my property by the State of Massachusetts Department of Revenue ( Docket item # XXXX ), and the Internal Revenue Service ( Docket item # XXXX ) for outstanding taxes owed for the tax year XXXX, prior to my filing of Tax Returns for the tax year XXXX. <P/><P/>Upon filing my personal income returns for tax year XXXX, formsXXXX with all Schedules, it was concluded by both the State of Massachusetts Department of Revenue and the Internal Revenue Service that there was no tax due, nor tax liability. Consequently, the State of Massachusetts released the Lien and it is noted as Released in the Public Records. The Release of Federal Tax Lien by the Internal Revenue Service was also filed, as Released, with the Registry of Deeds on XX/XX/XXXX. <P/><P/>However, both items are noted on my TransUnion Credit Report, dated XX/XX/XXXX, as being an Individual Debt Responsibility, and marked as Paid, rather than saying simply no taxes were due and consequently nothing was needed to be paid, and as a result, the Liens are released. <P/><P/>To reiterate : the conclusion upon filing my XXXX Personal Income Tax Return Form XXXX complete with Schedules, was that no taxes were ever owed to either the State of Massachusetts or the Internal Revenue Service for that year. The TransUnion Credit report for me shows the Liens as Paid, reflecting a debt owed, rather than simply Released. Since no taxes were owed after satisfying the filing of XXXX tax returns, there never was a debt. <P/><P/>In speaking with the Registry of Deeds for XXXX XXXX County, in XXXX, Massachusetts, as the TransUnion Credit Report states as being the source of the data used on my TransUnion Credit Report, the Registry only posts the information which is sent to them, without changes. The Federal Lien on the TransUnion Credit Report clearly shows the word Paid, whereas that wording is not used on the official document Release of Federal Tax Lien, as is clear when you read the Release document attached. Enclosed is a copy of Federal Form XXXX ( XXXX ), Certificate of Release of Federal Tax Lien supporting my position. Also enclosed is the Release of Massachusetts Tax Lien. <P/><P/>I am requesting that TransUnion correct and or remove the item ( s ) reported as such by TransUnion. There was no tax due to either the State of Massachusetts nor the Internal Revenue Service for the tax year XXXX, and reflect instead there were no payments needed to be made. <P/><P/><P/>Considering that the overall scoring of XXXX and XXXX exceeds my Credit Score from TransUnion by approximately 10 %, the difference seems to lie in the description of the Released Tax Liens. The nuance between Paid and Released, implying the existance of debt, versus Released easily accounts for this. XXXX  actually removed both Liens altogether from my Credit Report as they were not  owed as debts and did not belong on their report as an example of debt record. The description changes my score category from Excellent with XXXX  and XXXX to Good with TransUnion, which is significant. <P/><P/>In closing, if you would be so kind as to make the corrections as requested above, and issue to me a new TranUnion credit report which hopefully reflects those changes. <P/><P/>Thank you for your attention to this matter,

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