Consumer complaint received 2025-04-14 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: NV

Complaint narrative:
Subject : Formal Complaint and Demand for Immediate Correction of Credit Reporting Violations To : Washington State Support Enforcement Account NoXXXX XXXX XXXX This letter constitutes a formal complaint regarding the inaccurate and unlawful reporting of an account by the Washington State Support Enforcement Division to consumer reporting agencies. 

Facts : The Washington State Support Enforcement Division has been breaking the law for several years by knowingly and purposefully misreporting an account that has been paid for over 10 YEARS. 

The account in question was opened in XX/XX/XXXX and reflects a last payment in XX/XX/XXXX. 

The account is marked Paid and Closed, but is simultaneously reported as Open. 

The account was last reported in XXXX but continues to appear on my credit report with conflicting and outdated information. 

Conclusions of Law : Violation of 15 U.S.C. 1681c ( a ) ( 4 ) Fair Credit Reporting Act ( FCRA ) : Consumer reporting agencies shall not report accounts placed for collection or charged to profit and loss more than seven years after the date of the first delinquency. As the last payment was made in XX/XX/XXXX, any negative information associated with this account must be excluded from reports as of XX/XX/XXXX. 

Violation of 15 U.S.C. 1681e ( b ) : A person or entity that furnishes information to a consumer reporting agency must ensure that the information is complete and accurate. Reporting an account as simultaneously Closed and Open is inconsistent, misleading, and violates the requirement for maximum possible accuracy.

Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information shall not provide information to a consumer reporting agency that they know or have reasonable cause to believe is inaccurate.

Remedies available under 15 U.S.C. 1681n and 1681o : Any person who willfully or negligently fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable for : Actual damages ; Statutory damages up to {$1000.00} per violation ; Punitive damages ( for willful violations ) ; Attorneys fees and costs.

Demand for Immediate Resolution : You are hereby notified of the violations outlined above. I formally demand that the inaccurate and outdated information be immediately : DELETE entirely from all consumer reporting agencies. 

Failure to comply within 15 days will result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, the Washington State Attorney General, and potential legal action in accordance with the remedies provided under 15 U.S.C. 1681n and 1681o. 

Please send written confirmation of your compliance with this demand to the address listed above.

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