Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
XXXX Now you are furnishing inaccurate information to the consumer reporting agencies as regards to account number XXXX, opened XX/XX/XXXX, original balance {$6900.00}. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility XXXX : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS in publication XXXX According to the department of Treasury IRS instructions for form XXXX it clearly states that form XXXX must be filed regardless of whether the debtor is required to report the debt as income. So by filing a XXXX form the debtor is transferring the status of this account from debt to " income '', and income can not be reported on a consumer report based on XXXX XXXX XXXX XXXX ( a ) and XXXX XXXX XXXX XXXX If the debtor filed a XXXX form with the IRS it XXXX to be filed as income, and if that is the case the income can not be reported on my consumer report. This is a closed account. This is a canceled debt. 

Even if you didn't receive a Form XXXX, you must report canceled debt as 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 makes your reporting of this account inaccurate! 


By Definition, XXXX IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
XXXX XXXX XXXX XXXX Says you XXXX Now 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/inaccurate information immediately. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 

The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in Chapter XXXX. 
The above paragraph is taken directly from the IRS XXXX publication. 
SEND ME MY FORM XXXX that you should have sent when you Filled the account as a canceled debt. 
My Address is listed below! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Code XXXX ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) 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. 

In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this inaccurate information is a clear violation of XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. 
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX report. 

YOU HAVE XXXX Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!

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