Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Demand for Deletion of Inaccurate Reporting on Account # XXXX I am writing to demand the immediate deletion of the inaccurate reporting of the XXXX XXXX XXXX XXXX account [ XXXX ] from my credit report. After extensive efforts to address this matter and speaking directly with the IRS, I have confirmed that the reporting of this account as a charge-off is not only inaccurate but also violates federal laws governing credit reporting and debt classification. 
IRS Confirmation of Canceled Debt : According to the IRS, all charged-off accounts exceeding {$600.00} are considered canceled debt and classified as ordinary income for tax purposes. These companies file the charged-off amounts on their taxes, effectively acknowledging the debt as canceled. It is illegal for a company to simultaneously claim a charge-off as a tax write-off while continuing to report the debt on a consumers credit report. As per IRS guidelines, I should have received a Form 1099-C reflecting the cancellation of this debt. 
Inaccurate Reporting on My Credit File : The reporting of this account as a charge-off continues to inaccurately reflect debt that has been canceled. These inaccuracies falsely portray an active obligation, mislead potential creditors, and violate my rights as a consumer. Specifically, the continued reporting of this account as a debt after it has been written off as canceled is in direct violation of federal laws and regulations. 
Failure to Resolve Previous Disputes : Despite prior disputes submitted with supporting documentation, your agency has failed to correct or remove the inaccurate information. This failure to act responsibly, even after being given the opportunity to do so, constitutes a breach of your legal obligations under the Fair Credit Reporting Act ( FCRA ). 
Continued Reporting of Incorrect Details : Specifically, you are still reporting the Last Reported date as XX/XX/year>, which conflicts with the accounts charged-off status. Additionally, the Date Last Active and Date of Last Payment should reflect consistent and accurate information, yet discrepancies remain in these details, further underscoring the lack of compliance in your reporting practices. 
The inaccuracies and repeated failures to address this matter appropriately have resulted in violations of my rights as a consumer. I am no longer requesting validation or corrections. I now demand the immediate deletion of this account from all credit reports maintained by TransUnion, XXXX, and XXXX. 
The reporting of this account violates the following statutes : 15 U

SC 1681e ( d ) : Requiring consumer reporting agencies to ensure the accuracy and proper classification of reported accounts.

US Code 1681 and 1681i ( 5 ) : Mandating the prompt correction or deletion of inaccurate or unverifiable information.

15 USC 1692g : Prohibiting deceptive practices in the collection and reporting of debt.

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