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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing in response to your letter dated XX/XX/XXXX, regarding my dispute of child support accounts on my credit report. As I have previously stated in my earlier dispute submissions, child support obligations should not be reported on consumer credit reports under the law. Despite my providing relevant case law and raising this matter with TransUnion multiple times, these accounts continue to appear on my report. This constitutes an improper and unlawful reporting of such debts, and I find it highly troubling that your investigation concluded that the information is " verified as accurate. '' This conclusion is particularly concerning given the legal precedents supporting my position. 

Under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), XXXX, and XXXX, TransUnion has failed to comply with its obligations to reasonably reinvestigate consumer disputes and ensure the accuracy and completeness of information in consumer reports. These actions may violate both Acts by failing to forward all relevant information to furnishers, failing to provide accurate notice of the outcome of disputes, and failing to implement reasonable procedures to ensure that the information reported is correct. 

As one of the largest consumer reporting agencies ( " CRAs '' ) in the country, TransUnion plays a significant role in the financial lives of millions of people. The information it reports is sold to creditors and businesses evaluating whether to offer loans, housing, or employment opportunities to consumers. As such, it is critical that TransUnion maintain accuracy in its reports. 

Errors in consumer reports can have severe consequences, including the denial of credit, housing, or employment, or offering less favorable credit terms. Congress enacted the FCRA in 1970 to ensure that consumer reporting agencies like TransUnion exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. See 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I have provided the following legal precedents which demonstrate that child support obligations should not be reported on credit reports : XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Case XXXX, XX/XX/XXXX, XXXX Illinois ) This XXXX XXXX the improper reporting of debts, including child support, on credit reports. 
XXXX XXXX v. XXXX XXXX XXXX & XXXX, XXXX, et al. ( Case XXXX C XXXX, XX/XX/XXXX, XXXX Illinois ) This case addresses the legal restrictions on reporting child support-related collections on credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX This case reinforces restrictions on reporting debts tied to government entities, including child support, on credit reports. 

Your assertion that the information is " verified as accurate '' overlooks these legal precedents and the clear guidance from the Department of Justice on the reporting of child support obligations. The verification process used by TransUnion appears to be inadequate and does not account for the legal restrictions surrounding such debts. Child support obligations are not " credit transactions '' and, as such, collection agencies have no permissible purpose to obtain or report such information to credit bureaus without specific legal authorization or written consent from the consumer. 
These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
Therefore, I respectfully request that TransUnion immediately remove child support Account # : XXXX from my credit report. I trust you will thoroughly review my dispute and comply with the legal protections surrounding such obligations. 

Please provide a written response confirming the removal of these accounts from my credit report, as well as an explanation of the steps TransUnion is taking to ensure compliance with the relevant legal requirements going forward. Should this inaccurate information continue to be reported, I will be forced to take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages resulting from this inaccurate reporting. 

Thank you for your immediate attention to this matter. 
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