Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
Subject : Formal Complaint Against TransUnion Failure to Provide 1099-C and Violations of the FCRA & Federal Tax Laws CFBP, I am writing to formally escalate my complaint against TransUnion regarding their failure to comply with federal laws in their credit reporting practices. My initial complaint, CFPB Complaint Number XXXX, outlined the following violations, which remain unaddressed and continue to cause me financial harm as I attempt to properly file my taxes this season. 

I have already filed IRS Form 1099-C ( Cancellation of Debt ) for various accounts, which the IRS has approved. The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX for My Complaint Violation of 26 U.S. Code 6050P Information Reporting on Canceled Debt Once a creditor cancels a debt and issues a 1099-C, they have declared the debt as a loss to the IRS and are no longer legally permitted to collect on it. Reporting a charged-off account while continuing to collect is an unlawful double recovery, violating both IRS regulations and the Fair Credit Reporting Act ( FCRA ).

Violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The FCRA prohibits the reporting of inaccurate or incomplete information. A charge-off is classified as income by the IRS. Furnishing this as a delinquent or outstanding balance on my credit report is misleading and a clear violation of FCRA standards. 

Failure to Provide Requested Documentation 15 U.S.C. 1681g I formally requested 1099-C documentation from TransUnion regarding the above-mentioned accounts. To date, TransUnion has failed to furnish the necessary documentation, preventing me from filing my tax returns properly. This failure violates my rights under the FCRA to receive complete and accurate information.

Demands for Immediate Resolution Cease and Desist Reporting of Charged-Off Accounts As these debts were charged off and reported to the IRS, they can not legally be pursued for collection or negatively impact my credit report. 

Provide 1099-C Documentation TransUnion must immediately provide the requested 1099-C forms for the accounts listed above. Failure to do so obstructs my legal ability to file my taxes correctly.

Correct and Update My Credit Report TransUnion must remove any improperly reported charge-offs or furnish proof that the debts remain legally collectible under IRS regulations . 

Failure to comply with these demands will result in the following actions : I will report TransUnion to the IRS for fraudulent tax practices, including illegal collection attempts on canceled debts. 

I will escalate this matter to the Federal Trade Commission ( FTC ) for FCRA violations. 

I will pursue legal action for the financial harm caused by TransUnions negligent and illegal reporting practices. 

I expect a written response within 15 days of receiving this letter, per the FCRAs requirements. If I do not receive a satisfactory resolution, I will proceed with formal complaints to the IRS, FTC, and the state attorney generals office for further investigation and enforcement.

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