Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. 

The issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. 
XXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. 
XXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. 

I am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. 
A thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. 
Written confirmation of the resolution of this matter. 

I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. Additionally, I may pursue legal remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for any damages caused by these inaccurate and deceptive practices. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your response within the legally mandated time frame. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, XXXX XXXX XXXX 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