Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear CFPB, I am writing to dispute the reporting of an account by XXXX XXXX XXXX that is a direct violation of the Fair Credit Reporting Act ( FCRA ) as mandated by XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) established that consumers have the ability to challenge the legitimacy of debt accounts that are not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 

The account in question are : Police and XXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which In fact is inaccurate and misleading. 

According to XXXX XXXX XXXX, any applicable entity that discharges an indebtedness must file an information return on XXXX  XXXX with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of XXXX  XXXX that were issued to me by the creditor, indicating that the debt associated with the account has been canceled or forgiven. additionally for your reference you will observe a XXXX balance in the section titled : XXXX XXXX XXXX XXXX documents XXXX is the physical proof of my claim. 

The issuance of a XXXX  XXXX is considered XXXX XXXX evidence that the debt has been XXXX by the creditor, as established in case law such as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) ). It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' This is illegal and reporting the status as such XXXX XXXX. 

Despite the issuance of the XXXX XXXXXXXX XXXX XXXX XXXX continues to report this account as charged off, which is inaccurate and misleading. This reporting is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in XXXX XXXX XXXX XXXX ( b ). 

I hereby request that XXXX XXXX XXXX  promptly update its records to reflect that these accounts have been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the XXXX  XXXX Failure to do so would constitute a violation of the FCRA. 

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

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