Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Dispute of Texas Attorney General Account [ Your TransUnion Report Number ] Dear TransUnion, I am writing to formally rebut the results of your recent investigation regarding the disputed Texas Attorney General account listed on my credit report. Your report states the account was " verified as reported, '' but this verification is insufficient and fails to address the core issues of my dispute. I demand a more thorough and transparent investigation, and I request the following information and clarifications : Definition of Debt and Obligation : First, I request a clear legal definition of " debt '' and " obligation '' as it pertains to this specific listing. Black 's Law Dictionary, for example, defines debt as a sum of money due to another. An obligation implies a legal duty to perform. Please explain how the Texas Attorney General listing on my report fits these legal definitions. The Attorney General 's office is a governmental body, not a financial institution extending credit or providing services that typically create debt. It primarily acts as legal counsel for the state and enforces laws. Therefore, I fail to understand how a " debt '' or " obligation '' to this entity could legitimately appear on a consumer credit report.

Verification Details : Your report states the account was " verified. '' This vague statement is unacceptable. I demand the following specific details regarding this alleged verification : * Contact Information : Provide the exact name, department, phone number, and physical address of the individual ( s ) at the Texas Attorney General 's office whom you contacted for this " verification. '' I intend to independently verify this information. 
* Date and Method of Contact : Specify the exact date and method of your contact with the Texas Attorney Generals office ( e.g., phone call, email, written correspondence ).

* Documentation : Provide copies of any and all documentation you received from the Texas Attorney Generals office that supposedly " verifies '' this listing. 
Creditor Status : It is a matter of public record that creditors are typically corporations or entities that extend credit or provide goods/services. These entities frequently buy and sell debt. The Attorney General is neither a creditor nor a debt buyer. Please explain how this governmental agency can be classified as a " creditor '' for the purposes of credit reporting. 
Privacy and Authorization : I have never granted the Texas Attorney General 's office, or any other entity, permission to share my personal information with a credit reporting agency. Please provide copies of any and all agreements, contracts, or authorizations wherein I consented to the reporting of this information to TransUnion. Absent such documentation, I assert that this reporting is a violation of my privacy rights.

Trademark and Private Citizen Status : For the record, I state that my name is trademarked. I am also a private citizen, and I assert my rights to privacy and protection under the law. 
Regarding Child Support Cases : While you have not explicitly mentioned child support, I want to preemptively address any potential mischaracterization of this matter. I am aware of past Supreme Court cases contesting the legality of certain child support structures and their potential conflict with individual rights. I am raising this issue not to evade any legitimate obligations, but to ensure that any reporting related to this matter is accurate, lawful, and respects my rights. If this listing pertains to child support, I require full disclosure of all related details and documentation. 
Demand for Deletion : Based on the foregoing, I demand the immediate deletion of the Texas Attorney General listing from my credit report. This listing is demonstrably inaccurate, lacks proper verification, and potentially violates my privacy rights. Failure to comply with this demand will leave me no choice but to pursue all available legal remedies. 
Sincerely, XXXX XXXX Furthermore company has 30 days to respond to an investigation its been over XXXX so nothing should have been verified as accurate as you open this please delete this tradeline.. thanks.

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