Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is false reporting the following amounts of {$2100.00}, {$8500.00} on my credit report. As well they have sold the debt to a third party vendor ( XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX  ) as well XXXX XXXX is still attempting to collect the debt from me. As well XXXX XXXX has not sent me a XXXX c and has been ignoring my request please fix. As well I paid my {$2100.00} debt off and they are still reporting it. Please investigate fix delete and remove. 
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint for False Credit Reporting, Illegal Double Reporting, Failure to Validate Debt & Failure to Issue 1099-C To Whom It May Concern : This letter serves as a formal complaint regarding the continued false reporting of a charged-off account on my consumer credit report. The original creditor has sold, transferred, or assigned the debt to a third-party entity, yet continues to report the account as if it is still owed to them. This is misleading, inaccurate, and unlawful under the Fair Credit Reporting Act ( FCRA ) and IRS Title 26 reporting requirements.

Background The original creditor charged off the account and subsequently sold the debt to a third-party debt buyer/collection agency. Once a debt is sold, the original creditor no longer owns the debt and no longer has the legal right to report it as an active debt owed. However, the original creditor continues to : Report the debt with a balance owed Report the account as active or collectible Fail to update the balance to {$0.00} as required Fail to accurately report the date of first delinquency Continue reporting after transfer, contributing to double reporting and re-aging Additionally, after the charge-off and sale, the creditor failed to issue IRS Form 1099-C for cancellation of debt income, despite repeated written requests. If the creditor claims the debt as a loss, they are legally required to issue a 1099-C to the consumer.

FCRA Violations The companys actions violate multiple consumer protection laws, including : Law Code Violation Summary FCRA 609 15 USC 1681g Failure to provide complete disclosure and validation FCRA 611 15 USC 1681i Failure to conduct reasonable reinvestigation of disputed information FCRA 623 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against furnishing information known to be inaccurate FCRA 605 ( c ) Re-aging of account to artificially extend reporting period FCRA 611 ( a ) ( 1 ) Inaccurate, incomplete, and unverifiable information must be deleted IRS Regulation Violations IRS Code Requirement Not Met 26 USC 6050P Requires issuance of Form 1099-C when a debt is canceled, discharged, or written off as a loss The creditors refusal to issue the 1099-C indicates either : 1. The debt was not legally owed, or 2. The creditor is misrepresenting the status of the debt for profit, which is fraudulent reporting.

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 explanation