Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX 

To Whom It May Concern, I am writing to dispute the continued reporting of the above-referenced account on my credit reports. This letter serves as a formal notice that I hereby revoke any and all consent given under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) for XXXXXXXX XXXX XXXXXXXX , to report my information to consumer reporting agencies. 

Additionally, I am requesting verification of the payment history, the accuracy of the reporting, and the permissible purpose used by XXXX XXXX XXXX XXXX in relation to this account. Under FCRA ( 15 U.S.C. 1681b ), there must be a legally permissible reason to access or report information, and I request specific proof of such purpose. 

Furthermore, I would like to bring to your attention that according to IRS guidelines, canceled debt must be reported to the IRS on a Form 1099-C, which reflects the discharge of the debt. If this account has been canceled or discharged, it should not continue to be reported as delinquent or outstanding. Any continued reporting of a canceled debt is not only inaccurate but could be considered a violation of the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates maximum possible accuracy. 

To support my position, courts have consistently ruled on the importance of accurate credit reporting. For instance, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that reporting inaccurate information can form the basis of an FCRA claim when a creditor fails to correct or clarify disputed or misleading information. Moreover, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court held that credit reporting agencies must exercise reasonable procedures to ensure the accuracy of information reported to consumer credit files. 

Please provide the methods of verification under FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) used to validate the information being reported. If XXXX XXXX XXXX XXXX or any credit reporting agency fails to provide proof of permissible purpose or accurate reporting, I will pursue legal remedies, including monetary damages under FCRA ( 15 U.S.C. 1681n and 1681o ) for any willful or negligent noncompliance. 

I request a prompt response within 30 days to resolve this matter. Please remove any inaccurate or unverifiable information from my credit report, as well as cease any further reporting if proof of permissible purpose or accuracy can not be provided. 

Sincerely, 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