Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) creditors are unable to report late payments to my credit file, however TransUnion, XXXX and XXXX has reported this information on behalf of XXXX XXXX XXXX. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the Fair Credit Reporting Act compliance. I need the transactions reporting as late and any other derogatory information deleted from my consumer reports effective immediately. Furthermore, all accounts placed in collections/charge off status has been reported without the creditor mailing me a copy of my IRS form 1099-C or 1099-A, operating as a scheme to continue collecting from me even after the debt has been written off. This is in violation to 26 USC ss 6050P. I am requesting to have all derogatory account information deleted from my credit file within XXXX calendar days or I will be forced to officially file IRS form 3949A and IRS form 211 against all entities involved : XXXX XXXX XXXX XXXX or any third party Abbreviated Account # XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX ) XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX ) XXXX XXXX or any third party ( currently reported by XXXX XXXX ) Abbreviated XXXX XXXX XXXXXXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX ) In addition to derogatory accounts, there are several instances where my personal information has been reported incorrectly. The only spelling of my name should be XXXX XXXX XXXX. My only address listed should be XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. My phone number should NOT be listed on my report. My correct social security number is XXXX. My correct date of birth is XX/XX/XXXX. Please make these corrections effective immediately. 
Finally, I would like to request that the following hard inquiries be removed from my credit. These hard inquiries are from companies that denied me credit and is hurting my chances from obtaining new credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( did not authorize ) 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 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