Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit Reporting Dispute Notice Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TO : XXXX XXXX Department of Child Support Services Attn : Legal Department XXXX. XXXX XXXX XXXX, CA XXXX & TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Second and Final Notice - Unverified Account Reporting / Failure to Validate Debt - FCRA & Page 1 Credit Reporting Dispute Notice FDCPA Violations To Whom It May Concern, This letter serves as a final formal notice regarding the erroneous and unverifiable reporting of a XXXX XXXX Child Support account to my credit report. This account continues to appear only on my TransUnion credit file, despite having been removed by XXXX  and XXXX, following proper dispute procedures. This discrepancy alone indicates the account is not verifiable and does not meet FCRA standards. 
On XX/XX/XXXX, I submitted a detailed written dispute directly to XXXX XXXX Child Support Services, demanding verification of the account. To date, I have received no response, no account documentation, and no proof of debt. This lack of response constitutes a violation of 15 U.S. Code 1681i ( FCRA ) and, if collections were involved, also violates 15 U.S. Code 1692g ( b ) ( FDCPA ), which mandates written validation of any disputed debt within 30 days of the request. 
This account lacks the following : - An actual account number for identification - Proof of arrears, balances, or current payment status - Any supporting legal documentation, judgment, or court order authorizing negative reporting - Verification or validation in response to my original dispute If XXXX XXXX or TransUnion can not furnish these documents and validate the account in full, then continued reporting is unlawful and constitutes willful negligence under the FCRA. 
Page 2 Credit Reporting Dispute Notice Demand for Immediate Action I hereby demand the following : 1. Immediate deletion of the XXXX CO DA account from my TransUnion credit report 2. Written confirmation that the account has been deleted or verified with full supporting documentation 3. If validated, a complete breakdown of the account, including : - Payment history and amounts - Current balance and arrears - Authorizing legal order for garnishment or reporting Failure to take the above actions will result in formal complaints filed with : - The Consumer Financial Protection Bureau ( CFPB ) - The California Attorney General 's Office - The Federal Trade Commission ( FTC ) - Possible civil litigation under 15 U.S. Code 1681n & 1681o for willful noncompliance Please treat this matter with urgency. I expect a written response within 15 days of receipt. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and harmful information currently being reported on my TransUnion consumer credit report. Please review the following item and remove or correct it in compliance with your obligations under the Fair Credit Reporting Act ( FCRA ). 



Disputed Account Details Account Name : XXXX XXXX District Attorney ( Child Support Division ) Account Type : Child Support Status : 120+ Days Late Balance Reported : {$54000.00} Date Opened : XX/XX/XXXX Date of Last Report : XX/XX/XXXX Basis for Dispute 1. Incomplete and Unverifiable Information The reported account lacks critical information such as : A clear and verifiable account number Transparent payment history and breakdown Details regarding any court judgment or legal garnishment ( none are listed ) 2. Violation of FCRA Requirements for Accuracy Under 15 U.S.C. 1681e ( b ), TransUnion is required to ensure the maximum possible accuracy of the information it reports. This entry does not meet that legal standard and has resulted in harm to my credit profile. 
3. Failure to Follow Proper Furnisher Duties The reporting furnisher, the XXXX XXXX District Attorneys Office, is a data furnisher under Section 623 of the FCRA. They are required to report only accurate and verifiable information and must promptly investigate any disputed data. As of this writing, no documentation has been provided that substantiates the legitimacy of this account in accordance with federal or California laws. 
4. No Judgment or Public Record to Support Garnishment or Collection Status A consumer reporting agency is prohibited from reporting debts with garnishment implications without court-issued judgments or lawful governmental authority. No such record has been included or made available. 



Legal Language for Reinvestigation Demand In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute inaccurate, incomplete, or unverifiable information reported about me. As a consumer reporting agency, TransUnion is legally obligated to ensure the maximum possible accuracy of the information it includes in my credit report [ 15 U.S.C. 1681e ( b ) ].

The account in question, allegedly reported by XXXX XXXX District Attorneys Office, lacks essential information as required under the FCRA, including : An identifiable account number A verified balance and payment breakdown Clear reporting of payment terms and status updates Evidence of lawful public record or judgment authorizing reporting Furthermore, furnishers of information, such as government agencies, must comply with FCRA duties under Section 623, including the duty to investigate disputes and report accurate information. Any account reported without proper verification or updated documentation could be considered a violation of federal law. 

I request that this item be thoroughly re-investigated and either verified with full supporting documentation or deleted entirely from my consumer report as required under 15 U.S.C. 1681i ( a ). 



I have also attached supporting documentation, including a copy of my report with the disputed account circled. 

Thank you for your attention to this matter. Please complete your reinvestigation and respond in writing within 30 days as required by law. 

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