Consumer complaint received 2025-08-03 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: MO

Complaint narrative:
XXXX XXXX XXXX Kansas XXXX, Missouri XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested TO : XXXX XXXX. 
XXXX XXXX, Credit Bureau XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX TO : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX CC : Federal Trade Commission XXXX FTC ) Consumer Financial Protection Bureau XXXX CFPB ) Attorney General State of Missouri Internal Revenue Service XXXX IRS ) XXXX : Notice of Intent to Sue False and Inaccurate Credit Reporting Regarding XXXX Credit Card Account Dear Sir XXXX Madam XXXX This letter serves as formal notice of my intent to file a lawsuit against both XXXX XXXX. ( XXXX ) and TransUnion LLC ( TransUnion ) for multiple violations of federal law, consumer protection statutes, and IRS reporting obligations related to the continued false reporting of a XXXX credit card account ( XXXX ) on my credit report. 

I. FACTUAL BACKGROUND I have never applied for, owned, or authorized the XXXX credit card account currently reported by TransUnion as XXXX. 

I have repeatedly disputed this account with both XXXX and TransUnion, providing proof that I am a victim of identity theft resulting from the Equifax data breach, which led to fraudulent accounts being opened in my name and my mail being diverted. 

I have submitted the FTC Identity Theft Report, a police report, and proof of residence as required under 15 U.S.C. 1681c-2. 

Both XXXX and TransUnion have : Failed to remove the fraudulent account; Failed to provide legally required documentation proving the account belongs to me ; Continued to report false and damaging information to my credit file. 

XXXX. FORM XXXX AND IRS REPORTING XXXX This account now appears on my credit report as Charged Off. Under 26 U.S.C. 6050P and Treas. Reg. 1.6050P-1, a creditor who discharges a debt of {$600.00} or more is required to : File IRS Form XXXX ; and Provide a copy to the debtor for tax reporting purposes. 

If XXXX truly believes this account is mine, they were legally obligated to issue me a Form XXXX. They have not done so. This failure is a violation of 26 U.S.C. 6050P, subject to penalties under 26 U.S.C. 6721 ( up to {$310.00} per missed form and higher for intentional disregard ). 

Therefore : If XXXX believes the account is mine, they are in violation of IRS law for failing to issue XXXX XXXX. 

If XXXX refuses to issue XXXX XXXX, they are effectively admitting the account is not mineand thus can not continue to report it as my debt under the FCRA. 

XXXX can not have it both ways : either issue the legally required Form XXXX and stop reporting the account, or acknowledge the account is not mine and delete it immediately. 

Further, once a debt has been XXXX and reported to the IRS as taxable income via a XXXX, it can no longer be reported as a collectible delinquent debt on a consumers credit report. Continuing to do so constitutes false and inaccurate credit reporting in violation of 15 U.S.C. 1681s-2 ( a ).

III. LEGAL VIOLATIONS A. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681i ( a ) Failure of a CRA ( TransUnion ) to conduct a reasonable reinvestigation.

1681s-2 ( b ) Failure of a furnisher ( XXXX ) to investigate and correct inaccurate information.

1681c-2 ( a ) Failure to block/delete identity theft-related data within 4 business days after receiving proper documentation. 

Remedies : Statutory damages of {$100.00} {$1000.00} per violation, actual damages, punitive damages, attorneys fees. 

XXXX IRS Reporting Law XXXX XXXX. XXXX & XXXX Failure to issue required XXXX for charged-off debts over {$600.00}. 

Penalties up to {$310.00} per missed form, higher for willful noncompliance. 

XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX et seq. 

XXXX collection via XXXX XXXX XXXX XXXX XXXX after debt was disputed violates 1692e ( 2 ) ( A ) ( false representation ) and 1692g ( b ) ( must cease collection until validation is provided ).

D. Failure to Provide Method of Verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) I requested the method of verification ; neither party complied. Federal law requires deletion of unverifiable data. 

IV. DEMAND FOR IMMEDIATE ACTION I demand that XXXX and TransUnion : Immediately delete the XXXX account from all credit reporting agencies. 

Cease all collection activity regarding this account. 

Provide full proof the account belongs to me, including original signed contracts and application. 

If XXXX claims the debt is mine, issue a Form XXXX as required by IRS law XXXX 

If this account is not deleted immediately, I will be forced to take legal action against your companies for all damages caused by your continued illegal actions. 

V. NOTICE OF LEGAL ACTION If you do not comply within 15 days of receiving this letter, I will file suit in XXXX XXXX XXXX, seeking : Actual damages, statutory damages, punitive damages ; Civil penalties for IRS violations ; Attorneys fees and costs ; Injunctive relief for permanent deletion. 

All CFPB, FTC, and Missouri Attorney General complaints will be used as evidence of willful violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Kansas XXXX, Missouri XXXX CC : FTC ; CFPB ; Missouri Attorney General ; IRS

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