Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : FORMAL COMPLAINT INACCURATE AND UNVERIFIED CHILD SUPPORT ACCOUNT REPORTED BY TRANSUNION Creditor Name : XXXX XXXXXXXX XXXX | Account Number : XXXX To Whom It XXXX Concern, I am submitting this formal complaint to bring attention to a serious issue regarding the inaccurate and incomplete reporting of a XXXX support account by TransUnion, which appears on my credit report under the name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : 2018 This account is only being reported by TransUnion and does not appear on my XXXX XXXX XXXX credit reports. This inconsistency raises serious concerns about accuracy, completeness, and proper verification of the information being reported under my name. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a fair and accurate credit report, and the continued presence of this account, without proper verification, violates several federal protections : Violations of Federal Law : 1. 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX reporting agencies must ensure that all information they report is complete and accurate. Reporting an account that appears only on XXXX bureau ( TransUnion ), without consistency or proper documentation, undermines the accuracy required by this statute. 

XXXX. 15 U.S.C. 1681i Dispute and Reinvestigation Upon dispute, TransUnion is legally required to conduct a reasonable and thorough reinvestigation within 30 days. If the account can not be verified with official documentation from the furnishing source ( in this case, likely a government child support enforcement agency ), it must be deleted. 

XXXX. XXXX XXXX. XXXX ( a ) Obsolete Information If the alleged obligation is from 2018, and no enforcement action or current delinquency exists, the reporting XXXX fall outside of permissible time limits depending on the nature of the account, especially if it was resolved or inactive for over 7 years. 

XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information ( such as state or county child support offices ) are prohibited from reporting inaccurate information to consumer reporting agencies. If TransUnion is unable to provide the original source, legal basis, or validation of this debt, they are in violation of this provision. 

Additional Concerns : No supporting documentation has ever been provided to me confirming the validity, balance, or status of this account. 
I have not received a judgment, court order, or active enforcement notice tied to this alleged debt. 
The lack of uniform reporting across all bureaus is a red flag for inaccurate or incomplete reporting. 

Requested Action : I am requesting the CFPB to : XXXX. Investigate TransUnions reporting practices regarding this account. 
XXXX. XXXX the permanent deletion of this unverifiable and inconsistent account from my credit report. 
XXXX. Ensure that TransUnion is in full compliance with the FCRAs accuracy, dispute resolution, and reporting requirements. 

Attachments : Copy of credit report showing the XXXX XXXXXXXX XXXX account Government-issued photo ID Proof of current address Thank you for your immediate attention to this matter. I am exercising my rights under federal law and expect that appropriate action will be taken to protect the integrity of my credit file. 

Sincerely, 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