Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This letter serves as a formal dispute and legal demand for the immediate deletion of the above-referenced account from my credit file. 

As reported, the entry states : XXXX XXXX XXXX # XXXX charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 

This reporting is not only inaccurate, but also legally contradictory and non-compliant with federal laws governing consumer reporting and tax regulations. 



Legal Violations : XXXX. 15 U.S.C. 1681e ( b ) Failure to Report with Maximum Possible Accuracy Reporting both a written-off and past due amount violates the principle of maximum possible accuracy. A debt can not be simultaneously written off and still due. 

XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation Upon dispute, you are required to conduct a full and reasonable reinvestigation and remove or correct any unverifiable or inaccurate information. 

XXXX. 15 U.S.C. 1681s-2 ( b ) Data Furnisher Responsibility The creditor furnishing this information is required to update or delete inaccurate, incomplete, or unverifiable data. Continued dual reporting violates this section. 

XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to Delete Unverifiable Information If you can not verify the item with original signed documentation, you are required to delete it entirely. 

XXXX. IRS XXXXegulation 26 CFR 1.6050P-1 If the {$850.00} was truly written off or canceled, the creditor is legally obligated to file a Form 1099-C for cancellation of debt of {$600.00} or more. To date, no such form has been issued to me. If the debt was forgiven but not reported to the IRS, the charge-off is inaccurate and misleading. If it was not forgiven, then there is no justification for written off status. 



My Demand : I hereby demand that you : XXXX. Immediately delete this account from my credit file, as the reporting is clearly inaccurate and legally non-compliant, XXXX XXXX. Provide within XXXX XXXX : The original signed agreement bearing my signature ; A full accounting of how the charge-off and past due amounts were calculated ; Written confirmation of whether a Form XXXX was filed ; Verification from the original creditor of the current status of the debt.

Database records are not sufficient under federal law. You must provide original documentation or delete the entry under FCRA 1681i ( a ) ( 5 ) ( A ).

Final Notice : Failure to comply with this dispute and continue reporting this contradictory and misleading information will result in : Reports to the Federal Trade Commission ( FTC ) Complaint to the Internal Revenue Service ( IRS ) Contact with my State Attorney Generals office Review for legal action under FCRA 1681n and 1681o for willful or negligent noncompliance Sincerely, XXXX XXXX XXXX : [ XX/XX/XXXX ] SSN ( last XXXX digits ) : 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