Consumer complaint received 2024-10-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Dispute of Account [ Account Number ] : XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate and Unvalidated Debt Reporting** Dear TransUnion Dispute Department, I am formally disputing the accuracy of account XXXXXXXX XXXX XXXX XXXXXXXX XXXX reporting a balance of {$49000.00} and 32 late payments, as of XX/XX/XXXX. I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) due to a lack of proper documentation and significant inconsistencies. 

**1. Insufficient Verification : ** In response to my request for debt verification, you provided an unsigned court document [ XXXX, XXXX Received ]. This document lacks the necessary signatures to constitute a legally binding court order, failing to meet the requirements for debt validation under 15 U.S.C. 1692g ( FDCPA ) and California Civil Code 1788 ( Rosenthal Act ). An unsigned document is insufficient proof of a legally valid debt. And I attached the court document and highlighted where the signatures will go to show clearly that there is no signature on this document from neither parent or non-custodial parent.

**2. Inconsistent Payment History : ** The reported payment history indicates consistent 120+ day late payments for years, despite the account balance supposedly being updated to {$0.00} on XX/XX/XXXX. This discrepancy demonstrates a failure to accurately reflect the payment history and account status as required by 15 U.S.C. 1681e ( b ) ( FCRA ) and California Civil Code 1785.14 ( b ) ( CCCRAA ). 

**3. Discrepancy in Reported Balance : ** The reported balance fluctuates significantly without explanation. This lack of transparency and clarity violates the FCRA 's requirement for accurate and complete reporting ( 15 U.S.C. 1681g ( a ) ( 1 ) ). 

**4. Other Credit Bureaus : ** XXXX and XXXX have already removed this account from my credit report due to the lack of verifiable documentation. TransUnion 's continued reporting based on an unsigned document highlights a clear discrepancy and further supports the invalidity of this account. 

I demand the immediate removal of this inaccurate account from my credit report. I request that TransUnion provide a certified copy of a *signed* court order and other legally sufficient documentation that validates this debt. Without such evidence, the continued reporting of this debt constitutes a violation of the FCRA and CCCRAA.

I have attached a copy of the unsigned document you provided. I look forward to your prompt response and correction of this inaccurate reporting within 15 days Sincerely,

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