Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
TRANSUNION, XXXX XXXX and XXXX XXXX are in violation of multiple laws set forth by XXXX in regards to the following AMX account # XXXX ... ENDING IN XXXX and XXXX  XXXX account XXXX account. XXXX XXXX Code XXXX ( XXXX ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX and XXXX XXXX ) making the report. Additionally, XXXX XXXX Code XXXX XXXX ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX and XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( TRANSUNION, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX and XXXX XXXX can not collect on a CHARGE OFF DEBT. This is now considered a certificate of indebtedness per the IRS and consumer 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. Please visit the IRS website that houses this information also. By XXXX, the IRS clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX for XXXX cancelled debt of { { {$12000.00} } } and CAPITAL XXXX for the cancelled debt of { { {$6600.00} } } in order to file as ordinary income. Where is XXXX? XXXX XXXX and XXXX XXXX are clearly writing off debt with the IRS without sending out the XXXX as required by the IRS for XXXX greater than { { {$600.00} } }. This is prohibited and unsatisfactory! XXXX XXXX and XXXX XXXX have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX and XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. TRANSUNION, XXXX, and XXXX are not an affiliate of XXXX XXXX or XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now OPTING OUT of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION for your reading and understanding.

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