Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Date : XX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Deletion of Fraudulent Account ( XXXX ) Under FCRA & Tax Law Dear TransUnion Disputes Department , I am writing to formally dispute the continued reporting of an account listed under the name XXXX or XXXX Credit Card that appears on my TransUnion credit report. I have previously submitted multiple disputes regarding this account and have consistently maintained that this account is not mine, as I am a victim of identity theft. 

Despite providing the necessary documentation as required under the Fair Credit Reporting Act ( FCRA ) including an identity theft affidavit and supporting identification documentsthis account continues to remain on my report. This is a direct violation of federal law, specifically : 1. FCRA Section 605B ( 15 U.S. Code 1681c-2 ) Block of Information Resulting from Identity Theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after receiving all documentation required. 

To this date, you have not removed the account nor have you provided any written documentation or credible evidence justifying the continued presence of this account. Under the same law : If the credit reporting agency declines to block the information, it must provide to the consumer a clear explanation of the reasons for the denial, including any information it relied upon in making such determination. 

I have not received any such explanation.

2. FCRA Section 611 ( 15 U.S. Code 1681i ) Dispute Procedure : If an account is in dispute and under investigation, the law requires the account to be marked as such, and if it is found to be unverifiable, it must be removed. Continuing to report unverifiable, fraudulent data violates my rights.

3. IRS Form 1099-C and Tax Law Conflict : According to my credit report, this account has been charged off, which generally indicates that XXXX may have claimed a tax deduction by writing off the debt as a loss. If that is the case, they are required under IRS regulations ( 26 U.S. Code 6050P ) to issue a Form 1099-C ( Cancellation of Debt ) to the debtori.e., me. However, I have never received such a form.

Per IRS Publication 4681 and 26 U.S.C. 6050P : A creditor who discharges a debt of {$600.00} or more must file a Form 1099-C and provide a copy to the debtor. 

Furthermore, once a debt is discharged and reported as taxable income, the creditor can no longer report the same debt as an active collection or charge-off on the consumers credit report. Doing so constitutes double recovery and is potentially fraudulent and unlawful.

4. Additional Supporting Factors : I was affected by the XXXX  data breach, during which my personal data was compromised.

At one point, my mail was fraudulently diverted, which supports the likelihood of identity theft. 

I have already submitted proof of identity theft, including documentation required under 15 U.S. Code 1681c-2.

Demand for Immediate Action : I demand that TransUnion : Immediately and permanently delete the XXXX account from my credit report.

Provide me with all documentation and evidence used to justify the accounts continued reporting, as required under FCRA 1681i and 1681c-2.

Investigate the potential FCRA and IRS violations described above and provide a written response within 15 days. 

Failure to act will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance under FCRA, which allows for actual and punitive damages ( 15 U.S. Code 1681n ). 

Please consider this letter a formal notice under federal law. 

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