Consumer complaint received 2025-11-06 00:00:00
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.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : [ XX/XX/XXXX ] XXXX XXXX XXXXXXXX Credit Card Division Attn : Credit Bureau XXXX Department XXXX. XXXX XXXX XXXX, FL XXXX Subject : Formal Notice of Illegal Reporting of Charge-Off and Balance / Failure to Provide IRS Form 1099-C To Whom It May Concern : This correspondence serves as formal notice and demand for correction regarding the reporting of my XXXX Credit Card account with XXXX XXXX  XXXX 

Upon review of my consumer credit reports, I discovered that XXXXXXXX XXXX is reporting this account as a charge-off while still listing an outstanding balance owed. 

This reporting is legally inconsistent and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibit the reporting of false, misleading, or incomplete information to consumer reporting agencies. 

A charge-off indicates that the creditor has written the debt off as a loss for accounting and tax purposes. Once a charge-off has been declared, the creditor is not permitted to continue reporting a collectible balance unless the debt has been legally reassigned or collected through lawful means. 
If a creditor truly charges off an account, the creditor must issue an IRS Form XXXX ( Cancellation of Debt ) to the consumer and the Internal Revenue Service XXXX report the cancellation of the debt as income. 

To date, I have never received a Form XXXX from XXXX XXXX  for this account. This absence indicates that either : XXXX. The debt was never legally charged off, or XXXX. The account is being improperly and unlawfully reported to the consumer reporting agencies. 

Either circumstance constitutes false credit reporting, which is a violation of federal law. 

Accordingly, I hereby demand that XXXX XXXX  : XXXX. Immediately delete the charge-off notation and all associated negative information from all consumer reporting agencies ; or XXXX. Provide documented proof that the account is legally active and collectible, including a valid signed contract and a record of payments ; and XXXX. Provide a copy of the IRS Form XXXX issued for the charged-off account, if one exists. 

If XXXX XXXX  can not fully substantiate the accuracy of the charge-off and balance within 30 days, I demand that the item be deleted in its entirety from all credit reporting agencies XXXX XXXX XXXX XXXX TransUnion  ) in accordance with 15 U.S.C. 1681i.

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the Federal Trade Commission ( FTC ), along with consideration of further legal remedies under the FCRA and FDCPA. 

Sincerely, 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