Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to file a formal complaint against TransUnion for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). Despite submitting multiple complaints and providing supporting documentation, including case law and correspondence indicating that the Division of Child Support ( DOJ, State of Oregon ) should not be reporting on my credit file, TransUnion has continued to mark the disputed entry as verified accurate.

I have sent several formal complaints and disputes to TransUnion regarding the incorrect reporting of the Division of Child Support. The letters explicitly state that this information should not be present on my credit report. I have attached one such " Important Notice '' from TransUnion that acknowledges the inaccuracy and the violation, yet TransUnion has still failed to remove or correct the erroneous entry.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565, TransUnion is legally obligated to conduct reasonable reinvestigations of consumer disputes and provide accurate information to consumers. Despite this, TransUnion has repeatedly failed to reinvestigate my dispute properly, failing to forward all relevant information to the data furnisher ( the Division of Child Support ) and to conduct a full investigation that would result in an accurate credit report.

The specific violations include : Failure to conduct proper investigations : TransUnion has not provided adequate reinvestigations of the dispute I raised regarding the child support entry on my credit report.

Failure to forward relevant information : TransUnion did not forward all of the supporting documentation I submitted to the furnisher, the Division of Child Support. 
Failure to provide proper notices : TransUnion did not provide accurate or sufficient notices to me about the results of the reinvestigation. 
Failure to ensure accuracy and completeness : Despite the clear evidence and legal case law showing that this information should not be on my report, TransUnion has continued to mark the disputed entry as verified accurate, contrary to the information provided in the documentation. 
As a result of these failures, I have experienced undue harm, including potential denials of credit and adverse financial consequences. The inaccurate reporting is not only detrimental to my credit but is also a violation of my legal rights as a consumer under both the FCRA and CFPA.

Immediate removal of the Division of Child Support information from my credit report.

A full reinvestigation of my dispute in accordance with FCRA and CFPB guidelines.

A written response from TransUnion explaining the failure to conduct proper investigations and the steps they will take to ensure compliance moving forward.

DEPT. OF JUSTICE CHILD SU. 
ACCOUNT # : XXXX Thank you for your assistance.

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