Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I requested the bureaus to do an investigation on the accounts below for accuracy accounts came back verified I do not believe an investigation was done because its no way the accounts would come back verified as accurate due to the large discrepancies and information mismatch highlighted in the attached documents. This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and remove this account. 
ACCOUNTS : Creditor : XXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXXXXXX  Account Number # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
This account ( XXXX XXXX XXXX ) is furnishing multiple late payments as a charge-off which is inaccurate a charge off account can not furnish late payment history furthermore I have not receive a 1099-C for the amount written off the above creditor received a tax write off for this account per the IRS and did not send me my 1099-C. As defined by the IRS ; Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax return.

The IRS clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 U.S. Code 1681s2 Says you are a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to CEASE and DESIST the reporting of incorrect/in accurate information immediately. 
ACCOUNTS : Creditor : XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. Creditor : XXXX XXXX XXXX Number # XXXX In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

The account above has several violations such as repeatedly reporting c/o monthly which is re-aging the account to become a freshly charged off account this is defamation of my character!! Its no way this account was verified as accurate because even after the dispute was completed the account is still INACCURATE I highlighted the many inaccuracies and attached it below! I have late payments being reported on XXXX for the account ( centerpoint energy ) but yet Transunion and XXXX shows no late late payments! there is a different open date across all three bureaus as show in attachment below! ALSO THIS ACCOUNT WAS DELETED FROM MY CONSUMER REPORT THEN REINSERTED AND I WAS NOT NOTIFIED BY THE CREDITOR! THIS IS A VIOLATION OF MY RIGHTS OUTLINED BY THE FCRA!

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish 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 person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty : a moral or legal obligation ; a responsibility.

Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something.

The continued reporting of this INACCURATE information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information ; you have caused me and my family severe harm.This is a final opportunity to Cure and DELETE this INACCURATE ACOUNT! you are willfully failing to comply with requirements of the FCRA with respect I am liable to consumer damages, or punitive damages of up to {$1000.00} if you continue to violate my rights.You ARE PROHIBITED BY LAW to furnish inaccurate information you are hereby put on NOTICE that you are furnishing incorrect INACCURATE information even after I the consumer has bought it to your attention.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

THIS IS THE FINAL OPPORTUNITY!

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