Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a complaint to XXXX, XXXX, and Transunion for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. 

As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ XXXX, XXXX, TRANSUNION ] but it is also a violation from the furnishers of this information pursuant to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has a reasonable cause to believe that information is inaccurate.

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