Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10982121
Complaint Overview
Complaint ID: 10982121
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 93722
Date Received: 2024-11-30T12:00:00-05:00
Date Sent to Company: 2024-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX SSN : XXXX Date of Birth : XXXX Phone Number : XXXX Date : XX/XX/XXXX To : TransUnion Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute Request for Deletion of Inaccurate Child Support Account Reporting Dear TransUnion, I am writing to dispute inaccuracies on my credit report related to the child support account listed under XXXXXXXX XXXX XXXX XXXX After carefully reviewing my credit report, I have identified significant discrepancies in the reporting of this account. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which requires all information on my credit report to be accurate, complete, and verifiable. Therefore, I request the immediate deletion of this account from my credit file. Account Details in Question Creditor Name : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$50000.00} Current Balance : {$0.00} Status : Open, 120+ days late Last Payment Recorded : XX/XX/XXXX Disputed Points and Reasons for Deletion 1. Inaccurate Balance Reporting The account reflects a reported balance of {$50000.00} while simultaneously listing a current balance of {$0.00}. This contradiction creates confusion and misleads creditors, as it suggests an unresolved obligation when no balance is owed. Why It Needs Deletion : This inaccurate balance violates FCRA 1681c-2, which prohibits reporting of erroneous or conflicting data. If the current balance is indeed {$0.00}, then the {$50000.00} reported balance is inaccurate and must be removed. XXXX. Incomplete Payment History The payment history for this account is incomplete, with months marked as No Data. This failure to provide a full and accurate record of payments misrepresents my payment behavior and obligations. Why It Needs Deletion : Incomplete or unverifiable payment data violates FCRA 1681i, which requires the correction or removal of unverifiable or incomplete information. If the payment history can not be accurately verified, the account must be removed. XXXX. Unsupported Delinquency Status The account is listed as 120+ days late, yet it also reflects a {$0.00} current balance and no payment activity since XX/XX/XXXX. This delinquency status appears inaccurate or outdated and is unsupported by the provided data. Why It Needs Deletion : FCRA 1681e ( b ) requires all reported data to be accurate and verifiable. If TransUnion or the XXXXXXXX XXXX XXXXXXXX can not substantiate this delinquency status with evidence, it must be removed, or the entire account deleted. 4. Violation of FCRA Verification Requirements As required under FCRA 1681i, all data reported to credit bureaus must be verified as accurate and complete. If the XXXXXXXX XXXX XXXX XXXXan not provide verifiable documentation supporting the balance, delinquency status, or payment history, this account must be deleted. Supporting Evidence To support my dispute, I have included the following documents : A copy of my drivers license and/or passport for identity verification. Payment records, if applicable, demonstrating the resolution of this account. [ Optional ] A copy of an FTC Identity Theft Report if this account is misreported due to fraud. Requested Action Based on the inaccuracies outlined above, I formally request the following : 1. Conduct a thorough investigation of this account as required by the FCRA. XXXX. If the information can not be verified or corrected, delete this account entirely from my credit report. XXXX. Provide a detailed summary of your findings, including verification or correction of each disputed point. Conclusion This dispute is submitted under the provisions of the Fair Credit Reporting Act. I expect the investigation to be completed within the legally mandated 30-day timeframe. If TransUnion can not verify the accuracy of the reported information within this period, the account must be removed in compliance with the FCRA. Thank you for your prompt attention to this matter. If you require additional information, please contact me at XXXX or via email at XXXX. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10982121 about?
Complaint #10982121 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-30T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.