Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a complaint through the CFPB to Transunion on XX/XX/24 about inaccuracies and the fact that I never gave XXXX XXXX, XXXX XXXX, nor XXXX written consent to disclose my information to credit reporting companies. I thus requested Transunion to delete the account from my credit report. Although Transunion updated the account, I requested for it to be taken off of my credit report. From Transunions response, it is clear they did not fully read my complaint. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and I never received a 1099-C from XXXX XXXX. Also XXXX is in violation of ( FERPA ) Family Educational Rights and Privacy Act because I never gave written consent for them to report my info to the credit agencies. This is why XXXX has already deleted XXXX XXXX and the XXXX  from my credit report. Therefore since XXXX deleted these accounts how did Transunion verify them? I added screenshots of the deletions notice from XXXX. In order to confirm that I did not grant these accounts permission to report to my credit report and to validate my account, I called Transunion and inquired about their investigative procedure. The agent informed me that they had simply forwarded my letter to the creditors, and they updated it with any information that the creditors reported back. That is not a thorough investigation. In fact A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate and that's not what happened according to the agent I spoke with. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - ( 7 ) Description of reinvestigation procedure - A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; BY NO LATER THAN 15 DAYS after receiving a request from the consumer for that description. Consequently, I require a comprehensive report on the investigation that was carried out to confirm that I gave XXXX XXXX permission to share my information on my credit report and to verify the innacuaracies. If I don't hear back from you WITHIN THE NEXT 15 DAYS, THESE ACCOUNTS NEED TO BE DELETED IMMEDIATELY! 1. The names and business ' addresses of each individual with whom you verified the information above, so that I may follow up. 2. The date you contacted the individual furnishers of information. 3. The method of communication you used to verify the information.