Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Factual Dispute of Inaccurate Reporting, Request for 1099-C, and Notice of Potential Legal Action This letter is a formal notice to dispute the inaccurate reporting of a charged-off or canceled debt appearing on my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and placing your organization on notice of potential legal action for willful or negligent noncompliance with federal law. 

The item I am disputing is as follows : Creditor/Furnisher Name XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Reported Status : Collection/Charge-Off / High Balance XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Status : Collection/ Charge-Off / High Balance XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Status : Collection/Charge-off / High Balance XXXX XXXX  Account XXXX : XXXX Reported Status : Collection/ Charge-off / High Balance XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reported Status : Collection/Charge-Off / High Balance XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reported Status : Collection/ Charge-Off / High Balance XXXX XXXXXXXX Account Number : XXXX Reported Status : Collection/ Charge-Off / High Balance Dispute Basis : Debt may have been canceled and is being inaccurately reported Legal and Factual Basis : I am aware that if a creditor cancels or forgives a debt of {$600.00} or more, they are required to file a Form 1099-C ( Cancellation of Debt ) with the IRS and provide a copy to the debtor. Continued reporting of this debt as collectible, without acknowledging the cancellation or the issuance of a 1099-C, constitutes material misrepresentation and may violate : FCRA 1681e ( b ) Duty to report with maximum possible accuracy FCRA 1681s-2 ( b ) Duty to investigate and correct disputed information 26 U.S. Code 6050P IRS reporting requirements for canceled debts I hereby request : A full reinvestigation into the status and accuracy of this account.

A copy of any Form 1099-C that was issued or filed in connection with this account. 

Written confirmation of whether this debt has been canceled, sold, or transferred. 

Immediate correction or removal of any inaccurate information related to this account on my credit file. 

Please also mark this account as disputed on my credit report while this matter is under investigation, per 15 U.S.C. 1681i ( a ) ( 3 ).

Notice of Potential Legal Action : If you fail to properly investigate and correct this inaccurate information within the statutory 30-day window, or continue to report canceled or discharged debt inaccurately, I will pursue all available legal remedies. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action in federal court for : Statutory damages under FCRA 1681n ( a ) ( 1 ) ( A ) Actual damages, legal costs, and attorney fees under FCRA 1681o Punitive damages for willful noncompliance under FCRA 1681n ( a ) ( 2 )

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