Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX, Account Number : XXXX, on my credit report. The reported charge-off reflects an amount due of {$2500.00}. I believe this reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me. The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off. 2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file. A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.

I am formally requesting the immediate update or deletion of account BUCKEYE STATE C/U 12995XXX from my credit report that were compromised due to a Equifax and Marriot data breach, violating my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681c-2, credit reporting agencies are required to delete fraudulent or unauthorized accounts within 4 business days of receiving proper documentation.

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof.

I do not recognize any of the aforementioned accounts, collections, or hard inquiries. These items were never opened, initiated, or authorized by me and are the direct result of identity theft and fraud. Attached is the FTC Identity Theft Criminal FTC Report Number : XXXX, serving as incontrovertible proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are fraudulent.

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