Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
****INCORRECT ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXTHIS IS NOT MY ADDRESS**** ******UPDATE MY ADDRESS TO XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXXSECTION15 USC 1692B ( 5 ) RESTRICTS A COLLECTOR FROM STATING THAT A CONSUMER OWES ANY DEBT WHEN COMMUNICATIONS WITH THIRD PARTIES. According to H.R.2537 - Consumer Protection for Medical Debt Collections Act 117th Congress****** A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. I was having a baby which is a medically necessary procedure ... *****Please remove this collection agency from my report****This is prohibited!!!!! 10. ***REMOVE XXXX XXXX XXXX XXXXXXXX ) ***** The Privacy Act of 1974 as amended, ( Privacy Act or the Act ) ( 5 U.S.C. 552a ), Public Law 93-579, provides safeguards against the misuse of records Federal agencies maintain about individuals. In general, the Act requires federal agencies to publish information explaining how records about individuals are collected, maintained, used, and disseminated by the Federal Government. Subject to certain exceptions, the Privacy Act also permits individuals to gain access to their records which are maintained in a system of records and to seek amendment of any incorrect or incomplete information contained in those records. You also commited the following violations : 15 USC 1681 and opting 15 USC 6802-6805. Under the Fair Credit Reporting Act 15 USC 1681 ( b ) 15 USC 6802 non-public person information 15 USC 6802 Opting Out 16 CFR 313.1 Purpose and scope 16 CFR 313.7 ( f ) Credit history does not include income information****According to the IRS ***DISCHARGED***AND CANCELED DEBT ARE TAXABLE INCOME, SO WHY ARE YOU REPORTING INCOME ON MY CREDIT REPORT? ***Remove *****ALL******** CHARGE_OFF ACCOUNTS******WHICH IS CONSIDERED INCOMEXXXX 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 XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX are all in violation of multiple laws set forth by Congress in regards to the following accounts XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ) According to 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) it states that the consumer report does not includeinformation solely as to transactions or experiences ( payment history, charge offstatus ), between the consumer ( myself ) and the person ( XXXX ) XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ) making the XXXX XXXX 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall not furnish anyinformation relating to a consumer ( ME ) to any consumer reporting agency if theperson knows or has reasonable cause to believe that the information is inaccurate.The following companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX can not collect on a discharged debt . This is now considered a certificate of indebtedness perthe IRS and income can not be reported. The IRS Clearly defines a charge off as Grossor Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMERREPORT which in fact makes reporting of this account inaccurate! I provided ascreenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debtor Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ) for any of thecancelled debts in order to file as ordinary income. Where is my 1099-C from either XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), is clearly writing off debtwith the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! The follow companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) have been HEREBY XXXX NOTICE that they are furnishing incorrect inaccurate information. In all of theterms and conditions uploaded XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the yagreed not to share my information with non-affiliates. XXXX is not an affiliate of 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 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ). The only true creditbureau is the CFPB and they DO NOT furnish consumer reports as stated in federallaw. I have a right to privacy and Per the Privacy Act of 1974 as a federally protectedconsumer I am now revoking any and all authorization I the consumer may havegiven you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per theFCRA as a federally protected consumer I am now opting out of any and allauthorization I the consumer may have given you written, non written, verbal, andnon verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S.Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OFINFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall notfurnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the personfor such notices, that specific information is inaccurate ; and ( ii ) the information is, infact, inaccurate.

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