Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am requesting immediate deletion or correction of inaccurate, misleading, and outdated derogatory credit reporting by XXXX XXXXXXXX XXXX, regarding account ending in XXXX, which continues to reflect charge-off status and post-settlement delinquencies on my XXXX, TransUnion, and XXXX credit reports. I settled this account with XXXX XXXX, and my final payment was made on XX/XX/XXXX. ( A copy of my bank statement showing this final payment is available upon request as my bank doesn't go that far back with estatements I must go into a branch ) XXXX issued me a Form 1099-C ( Cancellation of Debt ) dated XX/XX/XXXX, indicating an Identifiable Event Code F, which signifies that the creditor made a decision or had a policy to discontinue collection and discharge the debt. The canceled amount was $ XXXX- I reported this canceled amount to the IRS in tax year XXXX under Schedule 1, Line 8c ( Cancellation of Debt ), and I have included that page of my 1040 return as well.- On XX/XX/XXXX, XXXX mailed me a letter confirming the account was charged off, settled, paid, and the balance is now {$0.00}. They acknowledged that my final payment was received and no balance remains.Despite all of this, XXXX, TransUnion, and XXXX are still reporting Account status as Negative or Collection/Charge-off. Payment history showing CO and delinquencies in XXXX, which occurred after the debt was resolved and canceled- Misleading references to charge-off in a way that implies I still defaulted on a balance not paid or forgivenThis violates the Fair Credit Reporting Act, specifically : - 15 U.S.C. 1681s-2 ( b ) : XXXX, as a furnisher, has an obligation to report accurate and complete information.- 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. Reporting this account as derogatory post-settlement and post-cancellation is inaccurate and materially misleading.It is misleading to continue reporting a legally settled and discharged account as a charge-off, especially when I have both:1. Paid my portion of the settlement in full,2. Fulfilled IRS obligations by reporting and paying taxes on the forgiven portion. 
I disputed this account with XXXX, Transunion, XXXX, and the furnisher ( XXXX XXXX ) all parties " verified '' the reporting as accurate despite the clear evidence that the debt is settled and forgiven, reported to the IRS and paid taxes as income, and is no longer collectible or charge off. 
FCRA 15 U.S.C. 1681i ( a ) Upon dispute, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate ; By verifying this tradeline as accurate ( without correcting misleading post cancelation derogatory marks ) the Consumer reporting agencies failed their reinvestigation duties under law. 
This derogatory reporting has harmed my ability to qualify for credit despite resolving the matter responsibly and lawfully.

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