Consumer complaint received 2024-09-08 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:
Dear TransUnion, I, XXXX XXXX XXXX is am writing to formally dispute the accuracy of an account listed on my TransUnion credit report as of XX/XX/XXXX. The account in question, reported by XXXX XXXX District Attorney 's Office with the reference number XXXX, is erroneous and has been reported without proper validation or legal authority.

Details of Disputed Account : Original Creditor : XXXX XXXX District Attorney ( Child Support Enforcement ) Account Type : Open Account Date Opened : XX/XX/XXXX Balance : {$46000.00} as of XX/XX/XXXX Status : 120 days past due as of XXXX XXXX Monthly Payment : {$0.00} Past Due Amount : {$0.00} Reasons for Dispute : Lack of Due Process and Judicial Order : The child support debt reported in this account lacks a valid judicial signature and does not meet the due process requirements as set forth by 28 USC 1691. No evidence of a proper court order authorizing the enforcement of this debt has been provided. Without valid legal authorization, this debt should not be included on my credit report.

Violation of Fair Debt Collection Practices Act ( FDCPA ) : This alleged debt has not been validated under the provisions of 15 USC 1692g. I have not been provided with the necessary documentation, including a judicially signed order, proving the legitimacy of this debt. Without validation, the inclusion of this account on my report violates the FDCPA.

Failure to Verify Information as Required by the Fair Credit Reporting Act ( FCRA ) : Pursuant to 15 USC 1681i ( a ) ( 5 ), credit reporting agencies must verify that all information reported is accurate and substantiated. This account can not be legally verified due to the lack of proper court documentation and validation, making its inclusion unlawful.

Request for Action : I am requesting that TransUnion immediately take the following actions : Remove the Erroneous Account : Delete the XXXX XXXX XXXX account ( Ref : XXXX ) from my credit report due to the lack of validation and improper legal documentation.

Notify All Parties : Notify all parties who have accessed my credit report in the last six months of this correction, as required by the FCRA.

Provide Written Confirmation : Once this account is removed, provide me with written confirmation of the deletion.

Please consider this letter a formal dispute under 15 USC 1681i ( a ). If this matter is not resolved within 30 days, I reserve the right to pursue all legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil action under the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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