Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
To XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX Subject : Formal Dispute Resolution XXXX XXXX ( Acct : XXXX ) ** Dear XXXX & XXXX XXXX Representative XXXX XXXX am formally disputing the incorrect charge-off listed on my XXXX credit report for XXXX XXXX due to errors in reporting, failure to notify me, and potential IRS non-compliance. 

Account Details : Creditor : XXXX XXXX Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : Account was settled, yet still marked as charge-off, with no IRS Form XXXX issued Reasons for Immediate Removal or Correction : The account was settled in full, yet still marked as a charge-off. 

This account was legally settled for less than the full balance, meaning it should not be reported as a charge-off but rather as " Settled Paid in Full. '' The reporting misrepresents the true status of the account, violating Fair Credit Reporting Act ( FCRA ) guidelines. 
Failure to Notify Me of the Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Under the FCRA, creditors must notify consumers before reporting a charge-off to the credit bureaus. 
XXXX XXXX never sent me any notice informing me of this charge-off before it appeared on my report. 
Failure to Issue IRS Form XXXX for Canceled Debt ( IRS Violation XXXX XXXX. XXXX ) If XXXX XXXX canceled {$600.00} or more of this debt, they were legally required to issue Form XXXX and report the canceled amount to the IRS. 
Since no XXXX was issued, this charge-off is either invalid or should not exist on my credit report. 
Requested Actions : Remove the charge-off from my credit report immediately to correct this reporting error. 
Update the account status to " Settled Paid in Full '' instead of " Charge-Off. '' Provide documentation proving I owed a balance after my settlement agreement. 
Provide written proof that I was notified before this charge-off was reported. 
Confirm whether XXXX XXXX reported this charge-off to the IRS and provide a copy of Form XXXX if applicable. 
If no valid proof exists, issue a formal statement confirming the charge-off was incorrectly reported. 

Under FCRA ( XXXX XXXX. XXXX ), you are legally required to investigate and respond within XXXX days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the IRS for investigation into non-compliance with tax reporting laws. 

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or 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