Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX SSN : XXXX Date of Birth : XXXX Phone Number : XXXX Date : XX/XX/XXXX To : TransUnion Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute Request for Deletion of Inaccurate Child Support Account Reporting Dear TransUnion, I am writing to dispute inaccuracies on my credit report related to the child support account listed under XXXXXXXX XXXX XXXX XXXX After carefully reviewing my credit report, I have identified significant discrepancies in the reporting of this account. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which requires all information on my credit report to be accurate, complete, and verifiable. Therefore, I request the immediate deletion of this account from my credit file. 

Account Details in Question Creditor Name : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$50000.00} Current Balance : {$0.00} Status : Open, 120+ days late Last Payment Recorded : XX/XX/XXXX Disputed Points and Reasons for Deletion 1. Inaccurate Balance Reporting The account reflects a reported balance of {$50000.00} while simultaneously listing a current balance of {$0.00}. This contradiction creates confusion and misleads creditors, as it suggests an unresolved obligation when no balance is owed. 
Why It Needs Deletion : This inaccurate balance violates FCRA 1681c-2, which prohibits reporting of erroneous or conflicting data. If the current balance is indeed {$0.00}, then the {$50000.00} reported balance is inaccurate and must be removed. 
XXXX. Incomplete Payment History The payment history for this account is incomplete, with months marked as No Data. This failure to provide a full and accurate record of payments misrepresents my payment behavior and obligations. 
Why It Needs Deletion : Incomplete or unverifiable payment data violates FCRA 1681i, which requires the correction or removal of unverifiable or incomplete information. If the payment history can not be accurately verified, the account must be removed. 
XXXX. Unsupported Delinquency Status The account is listed as 120+ days late, yet it also reflects a {$0.00} current balance and no payment activity since XX/XX/XXXX. This delinquency status appears inaccurate or outdated and is unsupported by the provided data. 
Why It Needs Deletion : FCRA 1681e ( b ) requires all reported data to be accurate and verifiable. If TransUnion or the XXXXXXXX XXXX XXXX  can not substantiate this delinquency status with evidence, it must be removed, or the entire account deleted. 
XXXX. Violation of FCRA Verification Requirements As required under FCRA 1681i, all data reported to credit bureaus must be verified as accurate and complete. If the XXXXXXXX XXXX XXXXXXXX can not provide verifiable documentation supporting the balance, delinquency status, or payment history, this account must be deleted. 

Supporting Evidence To support my dispute, I have included the following documents : A copy of my drivers license and/or passport for identity verification. 
Payment records, if applicable, demonstrating the resolution of this account. 
[ Optional ] A copy of an FTC Identity Theft Report if this account is misreported due to fraud. 

Requested Action Based on the inaccuracies outlined above, I formally request the following : 1. Conduct a thorough investigation of this account as required by the FCRA. 
XXXX. If the information can not be verified or corrected, delete this account entirely from my credit report. 
XXXX. Provide a detailed summary of your findings, including verification or correction of each disputed point. 

Conclusion This dispute is submitted under the provisions of the Fair Credit Reporting Act. I expect the investigation to be completed within the legally mandated 30-day timeframe. If TransUnion can not verify the accuracy of the reported information within this period, the account must be removed in compliance with the FCRA. 

Thank you for your prompt attention to this matter. If you require additional information, please contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX

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