Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion reporting inaccurate information on my credit file. 1 ) TransUnion credit report is reporting a bankruptcy case XXXX, from the U. S. Bankruptcy Court XXXX TN XXXX This is inaccurate and violated 15 USC 1681b Permissible purposes of consumer reports. ( B ) intends to use the information for employment purposes ; I have a letter from the U. S. Bankruptcy Court Clerk stating they did not provide TransUnion with any information regarding myself. 2 ) TransUnion is reporting XXXX XXXX XXXX XXXX account XXXX, Balance {$19000.00} Inaccurate information, inaccurate account information. I have 1099-C form, XXXX XXXX XXXX XXXX XXXX loan forgiveness of entire balance. IRS has account balance reported as loss uncollectible. I will attach 1099-C. The account is not a debt, it is included as my income for my XXXX taxes. TransUnion have violated the following : fcra rules, 15 USC 1681B, 15 USC 1681 a ( 4 ), 15 USC 16812 ( a ) ( ii ). Please provide me with original documents, showing my signature for bankruptcy and XXXX XXXX XXXX XXXX account, account ras charged off in XX/XX/XXXX. TransUnion is reporting charge-off account XX/XX/XXXX. Inaccurate.Also, provide legal documents from XXXX XXXX XXXX XXXX and the IRS regarding loan still showing as a debt. Provide me with a name, job title, phone and email address, along with documentation proving there reporting of this inaccurate information. If not provided to me during this complaint. You must remove from my credit report immediately and correct my credit score ASAP. TransUnion credit file File Number : XXXX Date Created : XX/XX/XXXX XXXX XXXX XXXX XXXX + Court Name XXXX XXXX XXXX TENNESSEE XXXX Address XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone XXXX Type XXXX XXXX BANKRUPTCY DISMISSED/CLOSED Date Filed XX/XX/XXXX Court Type US Bankruptcy Court Date Updated XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year that this item will be removed XX/XX/XXXX Plaintiff Attorney PRO SE Responsibility Individual Debt Accounts More Info + Accounts with Adverse Information More Info + Account Name XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX  XXXX XXXX, VA XXXX Phone Phone number not available Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$19000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 60 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$17000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Payment History Payment/Remarks Key Date : Balance : Past Due : Amount Paid : Scheduled Payment : Remarks : Rating : Date Match XXXX Payment History Payment/Remarks Key Date : Balance : Past Due : Amount Paid : Scheduled Payment : Remarks : Rating : Remarks< Rating120Account 120 days late Date XX/XX/XXXX Balance - - -No Data Past Due - - -No Data Remarks DRC/> Rating C/O Charged off by account provider

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