Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX D.O.B : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To whom it may concern, TRANSUNION, I am putting you on notice that you have violated my rights as a consumer. The charged off accounts on my credit report are inaccurate and the lender has written them off on their taxes as a tax credit. They send me a 1099-C that I must file on my personal income tax. Income is not a part of a consumer 's credit report.

( The lender must file Form 1099-C and send you a copy if the amount of debt canceled Is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter1.

The above paragraph is taken directly from IRS publication XXXX. 
The accounts listed on my consumer credit report are not debts or charge offs as reported on my consumer credit report these accounts are in fact Income due the fact that I must file them on my federal income tax return. Income is not a part of a consumer 's credit report. The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER CREDIT REPORT which in fact makes your reporting of this account inaccurate. By Definition : The IRS clearly says a cancellation or charge off is income the reporting of these accounts as debt is inaccurate. This is a violation of : 15 U.S. Code 1681e - Compliance procedures : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consume
r reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
The reporting of this inaccurate information on my consumer credit report has damaged my character and prevented me from receiving the extension of credit for personal and household purposes and has caused me and family financial stress that has affected our general mode of living. 
In conclusion I have shown you the erroneous and inaccurate accounts on my consumer credit report that are in violation of the laws passed by the U.S. Congress to protect consumers. I demand that these accounts listed below be deleted from my consumer credit report immediately as they are in violation. 
1. XXXX XXXXXXXX 2. XXXX XXXXXXXX 3. XXXX  XXXX 4. XXXX  XXXX 5. XXXX XXXXXXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXXXXXX 7. XXXX XXXXXXXX 8. XXXX XXXX XXXXXXXX 9. XXXX XXXX 10. XXXX, XXXX. XXXX 11. XXXX XXXXXXXX 12. XXXX XXXX XXXX 13. XXXX 14. XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX 16. XXXX 17. 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