Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to dispute the inaccurate information listed on my credit report formally. 

My report incorrectly lists XXXX XXXX XXXX XXXX as the creditor collecting on a default judgment that was awarded to XXXX XXXX in XXXX  XXXX XXXX XXXX, the collection agency reporting on my credit report, represents XXXX XXXX XXXX XXXX. 

According to California Code of Civil Procedure Section 673, in order to collect on this debt, a judgement assignment needs to be on file with the court that transfers the judgment collection rights to XXXX XXXX XXXX XXXX : California Code, Code of Civil Procedure - CCP 673 ( a ) An assignee of a right represented by a judgment may become an assignee of record by filing with the clerk of the court which entered the judgment an acknowledgment of assignment of judgment. 
( b ) An acknowledgment of assignment of judgment shall contain all of the following : ( 1 ) The title of the court where the judgment is entered and the cause and number of the action.

( 2 ) The date of entry of the judgment and of any renewals of the judgment and where entered in the records of the court.

( 3 ) The name and address of the judgment creditor and name and last known address of the judgment debtor.

( 4 ) A statement describing the right represented by the judgment that is assigned to the assignee.

( 5 ) The name and address of the assignee.

( c ) The acknowledgment of assignment of judgment shall be : ( 1 ) Made in the manner of an acknowledgment of a conveyance of real property.

( 2 ) Executed and acknowledged by the judgment creditor or by the prior assignee of record if there is one.

( d ) ( 1 ) If an acknowledgment of assignment of judgment purports to be executed or acknowledged by an authorized agent of the judgment creditor or an authorized agent of a prior assignee of record, then documentation sufficient to evidence that authorization shall be filed together with the acknowledgment of assignment of judgment.

( 2 ) Notwithstanding paragraph ( 1 ), an assignee of a right represented by a judgment may also become an assignee of record by filing with the clerk of the court that entered judgment a court order or other documentation that evidences assignment of judgment by operation of law.

To date, no assignment of judgment has been filed with the court. Please see the attached case printout showing no documentation for an Assignment of Judgement. As such, XXXX XXXX XXXX XXXX has no right to collect this debt. 

Grounds for Dispute Under the Fair Credit Reporting Act ( FCRA ) and California 's Consumer Credit Reporting Agencies Act ( CCRAA ), I have the right to accurate information on my credit report. Reporting the wrong creditor violates both these laws, specifically : Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate information. 

Consumer Credit Reporting Agencies Act ( CCRAA ) : Under California Civil Code 1785.25 ( a ), any person who furnishes information to a CRA must not knowingly provide incorrect information. 

Supporting Documents I have enclosed copies of my credit report showing the incorrect listing, the original judgment, and any other relevant documentation to support my dispute. 

Action Required Please investigate this matter and correct the inaccurate information on my credit report. Under the FCRA, you are required to complete your investigation within 30 days. I request written confirmation of the resolution of this dispute and an updated copy of my credit report reflecting the corrected information. 

If this error is not corrected within 30 days, I will escalate the matter to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( FPB ) for further investigation and file a lawsuit for actual damages, statutory damages, and attorneys fees.