Consumer complaint received 2024-06-01 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: VA

Complaint narrative:
I noticed both XXXX accounts ending in XXXX and XXXX were reported with the credit reporting agencies as a charge off. I was very disappointed to see this because not only is it inaccurate, this situation has also caused financial hardship. I have attempted to apply for other credit cards and have not been accepted due to the charge offs. 
The current issue of XXXX furnishing this inaccurate information on my consumers credit report is clearly not only going against 15 USC 1681a definitions ; the rules of construction in the exclusion of reports containing information solely as to transactions or experiences between the consumer and the person making the report, This inaccurate information as to what the IRS Publication 4681 defines as Income and not Debt is being furnished to your credit reporting agency. 
Perhaps this is a small oversight that the Credit reporting agencies ( XXXX, XXXX, Transunion and XXXX ) are not aware of and can address quickly by removing this inaccurate derogatory account from off my credit profile since the DEBT has been canceled and reported as INCOME as well as to stop the current injury so that I can continue live an abundant life. 
With the evidence provided herein you ( CRAs ) are aware that an offer was made by the Trustee XXXX XXXX XXXX and their principal XXXX ''. An acceptance to that offer was made by the Beneficiary XXXX XXXX XXXX. The contracts were sent on XX/XX/XXXX at XXXX am and XX/XX/XXXX at XXXXXXXX XXXX with a certified and return receipt # and XXXX which evidence the acceptance for value of a coupon in return for value. Once the contract was sent and accepted the accounts were closed on XX/XX/XXXX. XXXX continued to send statements even after the account was paid in full. 
Further action was taken to resolve the matter through a Notice of dishonor and Rescission letter. XXXX XXXX and their principal received a contract with a Certified mail, return receipt requested # on XX/XX/XXXX at XXXX. Furthermore, XXXX has responded to the documents stating that I am liable for paying the debt even after attempting to rectify the issue several times. To substantiate my claim I included witnesses of these contracts ; the Honorable XXXX XXXX Roe Jr. of the RXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

According to Title 18 USC 8 Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

If all bills are the obligation of the United States, " why are you trying to hold me XXXX XXXX XXXX, XXXX liable? I am not the Trust XXXX XXXX XXXX. 


XXXX and XXXX have deleted the XXXX XXXX accounts off my consumer report but TRANSUNION is continuing to violate my rights. All I want to do is live an abundant life. I am requesting that you delete the XXXX XXXX accounts. Updating them will not suffice. Transunion is operating in dishonor. The problem needs to be fixed.

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