Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent disputes out on XX/XX/XXXX and received a response dated XX/XX/XXXX from TransUnion with a " stall letter '' explaining to me on why they could not accept my disputes. ( Document Attached ). I then sent out, yet another disputes package that was notarized and mailed Certified mail on XXXX XXXX and they received on XX/XX/XXXX. Their response to my disputes were not compliant to FCRA laws. They are the following : 1. ) My ONLY address that should be on file is the address that is on my Drivers License i ask them to remove any addresses that does not match my copy of my Drivers License that i have attached and they failed to do so. 

2. ) I also have notified them that my Employer on file is inaccurate and I am not an employee at XXXX XXXX XXXX XXXX XXXX' they still refuse to remove this employer from my credit profile. 

3. ) On the XXXX account that is listed on my credit report that i have uploaded, I informed them that the account number was not accurate and i would like to request for the account to be removed due to the violation of 15 USC Sec 1681i ( a ) 4. ) On the XXXX XXXX XXXX XXXX that is listed on my credit report that i have uploaded I informed TransUnion that the account number was wrong and i would like to request for the account to be deleted immediately due to them failing to provide 100 % accuracy on my credit report. They did not execute an internal investigation and they still said that it was validated by the creditor. Violation of 15 USC sec 1681i ( a ) 5. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On this account ( LISTED ABOVE ) i explained to the Trans Union that the account is a big violation of my FCRA rights and they are also violating Federal laws from the IRS XXXX The law requires that XXXX XXXX XXXX XXXX to report all taxable canceled debt as income on their tax return, even if the amount is less {$600.00} and I didnt receive a 1099-C. Canceled debt is taxed at the same rate as my ordinary income. which can be anywhere from 10 % to 37 % depending on their total taxable income. Since that being said Creditors in the United States must charge- off revolving credit accounts after 180 days. As you can see in the attached letter my alleged last payment was made on XX/XX/XXXX So according to these laws i had not exceeded the 180 days that XXXX XXXX XXXX XXXX had before they could initially charged this alleged debt off. Also Charge - offs are considered taxable income and income can not be reported on my credit report, ONLY DEBTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Last Activity date is inaccurate ( Account has been illegally reaged ) I sent out a Request for Validation to XXXX XXXX and never received a response. I recently learned that the credit reports had been having the incorrect address for XXXX XXXX. So I recently did research and learned of a recent address on file that is located in XXXXXXXX XXXX that i will be sending letters to TODAY. Also this alleged debt is Income for the debtor and income is not included in a consumer report. 15 USC 1681a ( d ) /15 USC 1602/ 15 USC 1692 ( e ). The IRS states charged off or dismissed debt is Now ordinary income and the debtor shall file a 1099c. ( PLEASE SEE IRS PUBLICATIONS 4681 Section 4 )