Consumer complaint received 2025-02-10 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 to Dispute of Child Support Reporting on Credit Report, XXXX XXXX XXXX XXXX XXXX the continued inclusion of child support obligations on my credit report maintained by TransUnion. I believe this constitutes a violation of my constitutional civil rights and is in clear violation of several federal laws, including the Fair Credit Reporting Act ( FCRA ), as well as numerous case law precedents. 

Background Information : I previously received an important notice from TransUnion, dated XXXX, which stated that " collectors of delinquent child support debt, judgments, fines, or liens, must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. '' Despite this, child support obligations are currently appearing on my credit report, and this erroneous reporting continues despite multiple prior disputes regarding this matter. 

Legal Basis for Disputing the Reporting of Child Support on My Credit Report : Fair Credit Reporting Act ( FCRA ) Compliance : Under the FCRA ( 15 U.S.C. 1681 et seq. ), credit reporting agencies like TransUnion are required to ensure that the information reported is both accurate and complete. Child support obligations are personal obligations, not credit obligations, and therefore should not appear on a credit report. 

Child Support and Credit Reports U.S. Department of Health and Human Services Clarification : The U.S. Department of Health and Human Services has clarified that child support obligations should not be treated as consumer credit. Therefore, reporting child support as a debt is an unfair practice that has led to the negative impact on my credit score, which I am disputing under the FCRA.

Section 605A of the FCRA : According to 15 U.S.C. 1681c-1, child support obligations may not be included on a credit report unless they meet the criteria for a court judgment or lien. Such obligations are not considered credit transactions and should not be reported as such. 

Relevant Case Law : XXXX XXXX Trans Union XXXX XXXX ( XXXX ) : This case reinforces that credit reporting agencies must comply with the FCRA and remove inaccurate or unverifiable information, including the reporting of child support obligations when they don't meet legal criteria for reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case clarified that child support obligations are not considered credit obligations under the FCRA unless they involve a legal lien or judgment. 
XXXX XXXX XXXX v. Trans Union LLC, XXXX XXXX XXXX XXXX XXXX  : This case discusses the improper reporting of child support obligations on credit reports, which directly supports the need for the removal of such information. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX ( XXXX ) : This case further emphasized the legal restrictions on reporting child support collections on credit reports. 
TransUnion 's XXXX Notice : The XXXX letter from TransUnion specifically outlined that child support obligations could not be reported without certain legal requirements being met, such as a court order, written authorization, or a contractual agreement with the debtor. Given that these conditions have not been met in my case, this information must be removed from my credit report. 

Request for Immediate Action : I respectfully request that TransUnion immediately investigate and remove the child support obligations from my credit report in accordance with the FCRA, applicable U.S. codes, and the above-cited case law. The continued reporting of child support is a clear violation of consumer protection laws and infringes upon my rights under the U.S. Constitution.

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