Consumer complaint received 2015-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a letter to TransUnion in XXXX, and received a response today in the mail that they will not be updating my credit report to more accurately represent my profile. The issue arises from the reporting of a " photo '' radar traffic ticket that I was never made aware of. Upon first seeing this on my credit report, I contacted the City of XXXX regarding this ticket and promptly paid it in full even though I disputed the validity of the ticket, never being sent a notice, or being able to defend it in court. 
The City of XXXX has sent me notices that they have sent a " Clear Record '' to TransUnion as well. I even have a copy of this " Clear Record '' that I have forwarded to TransUnion myself. 

Also, TransUnion made agreements with the Attorney General of New York ( though the agreement stipulated nationwide ) about just this type of debt. TransUnion ( and XXXX ) agreed that " consumer debt that did not arise from a contract '' will no longer be reported. Specific examples mentioned in the agreement were medical debt and traffic related debt. 

Bottom line, this account being listed is in no way an accurate representation of my credit worthiness. Continuing to report this is causing me unnecessary harm. I am only asking that this " Paid '' debt be removed from my TransUnion credit report. 

I am including a copy of the " text '' portion of the letter that I sent to TransUnion in XXXX. 

-- -- -- -- -- -- TransUnion XXXX XXXX. XXXX XXXX, PA XXXX TransUnion, This letter is a formal complaint that you are reporting information that you should no longer be. 

I have no doubt that you have a desire to correct and ensure that my credit report shows only accurate information that is also PERTINENT to my credit history. 

The City of XXXX has acknowledged the issues that I have brought up previously, and despite also having sent to me a CLEAR RECORD that I have also already sent to you this debt remains listed. 

Additionally, and for purpose of this follow-up, I write due to a recent settlement that TransUnion entered into with the Attorney General of New York. I demand immediate removal of this " consumer debt that did not arise from a contract '' be removed from my credit report. My specific issue of receiving a traffic ticket is XXXX specifically mentioned as applying in my case of having no justifiable reason of appearing on my credit report. My claim also has to do with this ticket being of a " photo '' variety, meaning I never actually RECEIVED a ticket. Based on the settlement that TransUnion entered into, I can speculate that the Attorney General and TransUnion agree with me on the need to have this removed. 

My overall claims of this being valid in the first place also have merit. Either way, I ask for this to be permanently deleted from my report. 

XXXX / City of XXXX - XXXX XXXX # : XXXX, please send me an updated copy of my credit report that reflects this change. 
-- -- -- -- -- -- -- -- -- Thanks for your help!

Company response to consumer: Closed with explanation