Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the XXXX XXXX account XXXX with each of the three credit reporting agencies ( CRA ). Each CRA produced an investigation and reported that the XXXX XXXX account is accurate verified by the furnisher. After each of the disputes were submitted to the CRA, I did not receive an investigation report from XXXX XXXX outlining the results. Yet, inaccuracies are still present across all three of the CRAs that I will highlight below. 

Additionally, XXXX XXXX XXXXeports the account was settled, and a 1099-C was issued discharging {$1900.00} of debt ( see attached ). The courts have ruled that it is inequitable to allow creditors to belatedly enforce an alleged debt after it has received a tax benefit from the charge-off. Thus, XXXX XXXX discharged the debt, then memorialized the discharge of the debt by issuing a 1099-C to the account referenced above ; yet, XXXX XXXX is still reporting a balance due of {$2600.00}. 

In Shull v. Synchrony Bank ( 2020 ), the U.S. District Court for the Middle District of Pennsylvania, the Plaintiff stated an FCRA claim under 15 U.S.C. 1681s-2 ( b ) that is plausible on its face. The court therefore denies XXXX motion to dismiss. Similarly, in Lewis v. Synchrony Bank ( 2021 ), where XXXX Bank issued a 1099-C discharging {$810.00} of debt but continued to report to consumer reporting agencies ( CRA ) that Lewiss account balance remained {$1100.00}. XXXX XXXX XXXX XXXX, XXXX, ordered that XXXX motion to dismiss is denied. According to the Lewis case, The furnisher, in turn, must do the following : ( A ) Conduct an investigation with respect to the disputed information ; ( B ) Review all relevant information provided by the [ CRA ] ; ( C ) Report the results of the investigation to the [ CRA ] ; [ and ] ( D ) If the investigation finds that the information is incomplete or inaccurate, report those results to all other [ CRAs ] to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis [. ] Payment History As can be seen in the table below, which is created from the CRA investigation reports, there are multiple discrepancies with the payment history. For instance, XXXX does not report any history until XX/XX/XXXX. TransUnion reports more than 120 days late on XX/XX/XXXX when XXXX reports NO DATA. TransUnion reports the account as Charged-Off on XX/XX/XXXX when the other two bureaus do not report any data. XXXX and Trans Union report the account as Charged-Off on XX/XX/XXXX when XXXX reports NO DATA. Most recently, on XX/XX/XXXX, XXXX reports the account as Charged-Off when XXXX and TransUnion report XXXX XXXX. 

XXXX TransUnion XXXX XXXX XX/XX/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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off XXXX XXXX is in violation of 15 U.S.C. 1681s-2 ( b ). The following courts have found that the issuance of a Form XXXX alone does cancel a debt : In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ) ; In re XXXX, XXXX, XXXX XXXX XXXX, at XXXX ( Bankr. XXXX. XXXX XXXX XXXX, XXXX ). Along with the inaccuracies that the CRAs are reporting after completing investigations, this account is doubly in violation of the Fair Credit Reporting Act.