Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
Transunion Subject : Formal Complaint and Dispute Improper Reporting of Income by XXXX XXXX XXXX XXXX ( XXXX Accounts # ending in XXXX Dear Transunion, I am submitting this formal complaint and dispute regarding inaccurate and unlawful reporting by XXXX XXXX XXXX XXXX ( XXXX ) on my credit file in connection with XXXX Account # XXXX XXXX. XXXX has reported Income information to the credit bureaus, which constitutes a clear violation of federal law, IRS guidelines, and my consumer protection rights.

Under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act ( FCRA ), the definition of a consumer report does not include any report containing information solely as to transactions or experiences ( such as payment history, charge-off status, or account status ) between the consumer and the person making the report. Reporting my Income is outside the scope of permissible credit reporting and exceeds what Congress authorized under the FCRA.

Further, reporting income information to the credit bureaus is not only irrelevant to my credit history but also constitutes a misuse of financial data in violation of IRS guidelines, which strictly regulate the handling and disclosure of income-related information. Such reporting serves no legitimate purpose under the FCRAs permissible purpose provisions and may mischaracterize my creditworthiness in a misleading and damaging way. 
By engaging in this practice, XXXX XXXX XXXX XXXX is in violation of multiple federal consumer protection laws, including but not limited to : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requiring credit bureaus to ensure maximum possible accuracy of consumer reports.

FCRA 602 ( a ) [ 15 U.S.C. 1681 ( a ) ] protecting consumers from the improper use of personal financial information.

IRS regulations regarding the disclosure and reporting of income outside of authorized tax reporting channels.

I demand that you : 1. Immediately investigate this matter as required by FCRA 611 [ 15 U.S.C. 1681i ].

2. Remove all references Accounts to Income reported by XXXX XXXX XXXX XXXX from my credit file. 
XXXX. Provide written confirmation of the results of your investigation and a corrected copy of my credit report. 
Please note that continued failure to correct these violations may subject both XXXX XXXX XXXX XXXX and your bureau to liability for negligent or willful noncompliance, including statutory damages of {$100.00} {$1000.00} per violation, actual damages, punitive damages, and recovery of attorneys fees under the FCRA. 
This letter serves as a formal dispute and notice of violation of federal law. I am also prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS for further enforcement if necessary. 
This Violation have been ongoing for over XXXX  months, and I demand compensation in the amount of XXXX XXXX dollars and removal of both Accounts for reporting XXXX which is Illegal. 

See : Attachment Screenshots Credit Report of Accounts Reference : Past CFPB Complaint # XXXX Dated XXXX 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