Consumer complaint received 2016-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just paid {$19.00} monthly payment to Transunion come to find out they are report my Child Support Account # XXXX as Derogatory account. I called and spoke to the supervisor name XXXX and ask him why is this account being report as Derogatory account when there is nothing on the payment history that makes this account Derogatory, like miss payments, collection or behind in payments. I ask the supervisor to provide me that information so I know how to dispute this account. And the supervisor could not give me the reason why. This unfair to a customer who credit report is everything when it comes to getting funding, besides the fact you have to pay transunion to get your report and the also charge members. The least they can do is make sure any account that is reported to them has a payment history or proof showing why account that is being sent to them as Derogatory so the customer know why. And if it is not done correct it should be remove immediately. No other credit reporting agency is reporting this account as Derogatory but Transunoin. I attach XXXX and XXXX account also. When it comes to credit reporting agency if there is a clear error it should be move right away. How can you call an account that has good payment history, no late payments Derogatory. This is nothing to dispute change the account to good standing account or delete it. I am looking to get funding right now and dispute take up to 30 to 45 days. I can understand if there was evidence of late payments so I could fight that. There is nothing for me to fight but that fact why is Transunion is the only credit reporting agency reporting account XXXX this way and do n't even know why. I attached the payment history and it is reporting ok from Transunion and with that clear evidence there still wo n't make any changes. This is very serious, this can hurt and will hurt someone who is trying to get funding. Error like these that get reported by the customer, when it is there report and the agency does nothing. Transunion should get a fine for violating a customer right of not reporting correctly when the credit report agency should have clear guide line. You can not report negative information with out proof. Even worse report negative where there is nothing negative on the account you are reporting. This is holding me up from getting funding. Why pay to be a member when they do n't care about the member. Transunoin is trying to blame Child Support for this error when the payment history from Child support is showing that I am on time. Transunion is the ones calling this account Derogatory. 
I attached Payment History from Transunion showing no lates I show proof that Transunion is reporting XXXX derogatory account and it is the Child Support Account. 
Proof that XXXX and XXXX They are report as paid and current.

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 explanation