Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
This letter serves as my third formal dispute regarding the fraudulent and inaccurate collection account that continues to be reported on my credit file. Despite my prior disputes, this account has not been deleted, and it is now being reported as a charge-off. 
I have never entered into any agreement with this creditor or its associated debt collectors. Since my last dispute, the account has been closed, yet it remains improperly listed as a charge-off, in direct violation of federal consumer protection and tax laws.

This letter serves as my final demand for the immediate and permanent removal of this account from my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Internal Revenue Code ( IRC ) 6050P.

Disputed Account Details Creditor/Collection Agency : XXXX XXXX Account Number : XXXX  Balance : {$10000.00} Status : Charge-Off ( Illegal Reporting of Income ) Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Legal Basis for My Dispute & Grounds for Lawsuit 1 . Violation of IRS Tax Laws Misrepresentation of a Charge-Off as a Debt Obligation ( IRC 6050P & IRS Publication 4681 ) Under IRC 6050P, a charge-off of {$600.00} or more is legally classified as " canceled debt '' and is required to be reported as income via a Form 1099-C to both the IRS and the consumer. 
If a charge-off is classified as canceled debt, it is no longer a valid debt obligation and can not be reported on my credit file as an enforceable collection. 
Your continued reporting of this charged-off account as an active delinquency constitutes misrepresentation, fraudulent reporting, and a violation of tax laws. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 1681i If a charge-off has been classified as canceled debt and reported as income to the IRS, it is illegal for TransUnion and XXXX XXXX to continue reporting it as a valid debt. This constitutes double jeopardy by attempting to hold the consumer liable for a debt that has already been discharged under tax law. 2a. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 As a victim of identity theft or misreporting, I am requesting the immediate blocking and removal of this account. Under this provision, TransUnion and XXXX XXXX are required to remove fraudulent accounts promptly upon notification. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher shall not report information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate.

I have formally disputed this account multiple times, meaning you now have actual knowledge that this reporting is inaccurate, and continuing to report it is a willful violation of federal law. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if a disputed account can not be verified, it must be permanently deleted.

3. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( False or Misleading Representations ) 15 U.S.C. 1692e ( 2 ) ( A ) prohibits false representation of the legal status of a debt.

15 U.S.C. 1692e ( 8 ) prohibits reporting credit information which is known or should be known to be false.

Reporting a canceled charge-off as an active collection is a false and misleading representation, violating the FDCPA. 
4. Violation of the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 Under 15 U.S.C. 1666 ( a ) ( 3 ) ( B ), creditors must conduct a reasonable investigation into billing errors within 30 days and correct any inaccuracies.

This account remains on my credit report despite multiple disputes, proving failure to comply with the 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