Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address and request immediate correction of a critical error in my consumer report that represents a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). This letter serves as an official notice that I expect your compliance in removing any references to child support Account # : XXXX obligations from my consumer profile, as these obligations do not constitute a consumer credit transaction under federal law.

Background of Legal Standing and Precedent The FCRA defines credit as the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment. As confirmed by the legal precedent in Miller v. Trans Union LLC, child support obligations do not involve an extension of credit nor a deferred payment structure granted by a creditor. Consequently, these obligations do not meet the statutory definition of credit under the FCRA. In Miller v. Trans Union LLC, the court determined that reporting child support obligations on a consumers credit report was impermissible, as such obligations are not rooted in a consumer credit transaction but are, rather, statutory requirements that bear no relevance to a consumers creditworthiness in the context intended by the FCRA.

Violation of Consumer Rights and Potential Liability Given the legal basis established by Miller v. Trans Union LLC, your inclusion of child support obligations in my consumer report constitutes an overreach and misinterpretation of the FCRAs scope. This misreporting infringes upon my rights and has caused unwarranted damage to my consumer profile, impairing my access to credit and creating undue hardship based on information that legally should not be reported. As the FCRA does not mandate or even allow for the inclusion of non-credit obligations, your continued reporting of such information subjects your bureau to liability for damages caused by this wrongful action.

Furthermore, under the FCRA, consumer reporting agencies are mandated to maintain accurate and relevant information on consumer profiles. By including non-credit-related obligations, such as child support, you are in direct violation of these statutory requirements, undermining the accuracy of my consumer report and exposing your bureau to liability for negligent or willful non-compliance.

Demand for Immediate Correction and Compliance I hereby demand the following : 1. Immediate Removal : Remove all references to child support obligations from my consumer report without delay.

2. Written Confirmation : Provide written confirmation that this information has been permanently removed from my credit file and will not appear on future reports.

This letter serves as a formal notice of my intent to pursue all available legal avenues to ensure my consumer rights are protected.

Additionally, be advised that if you fail to comply with the FCRA by continuing to report non-credit obligations on my profile, I am prepared to take all necessary legal actions, including pursuing statutory and punitive damages for willful non-compliance. I am confident that any court reviewing Miller v. Trans Union LLC would uphold the same principles in my case, as the statute clearly protects consumers from irrelevant and damaging reporting of non-credit obligations.

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