Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 


You XXXX XXXX XXXX are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

Your and your inaccurate reporting have damaged my livelihood. 
15 USC 1681s -2 - Responsibilities of furnishes of information to consumer reporting agencies a. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. Promotion 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 causes 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 agencys 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all derails ; exact. 
Prohibition : a law or regulation forbidding something As Defined by the IRS Even if you didnt receive a form 1099-C, you must report cancelled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOSE NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

BY DEFINITION THE IRS CLEARLY SAYSA CANCELLED OR CHARGE OF OR WRITE OFF IS INCOME. TO REPORT OF THIS ACCOUNT AS A COLLECTION OR DEBT IS IN ACCURATE. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX XXXX  are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW TO CASE AND DESIST the reporting of incorrect/ in accurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 BELIVE THAT THE INFORMATION IS INACCURATE. 

You are hereby put in NOTICE that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681s-2 ( a ) Duty of FURNISHER OF INFORMATION TO PROVIDE INFORMATION 1 ) PROHIBITION ( 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. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

The continued reporting of this inaccurate information is a clear violation of the law 15USC 1681/s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is the final opportunity to cure and delete this erroneous account from my Consumer report. 

YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORT. 

TRANSUNION File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to TransUnion statement is bin VERIFIED AS ACCURATE! 

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