Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Bank ( XXXX  ) / XXXX Bank has failed to disclose material facts about the consumer accounts for XXXX  XXXX and XXXX XXXX XXXX being reported to my consumer credit report. It is likely these practices are engaged for charged-off accounts. 

XXXX XXXX XXXX has not provided me ( the consumer ) with a 1099-C related to the charge-offs. Furthermore, following XX/XX/XXXX charge-off, XXXX XXXX engaged in a post charge-off sale transaction with debt collector XXXX XXXX XXXX. This action is a direct violation of IRC 166 which prohibits any collection of monetary compensation once a debt is charged off. To do so constitutes unjust enrichment. The written off debt is considered settled.1099-C reported amounts are considered income, ineligible for credit reporting. XXXX XXXX XXXX selling account information it no longer owns under charge-off ( bad debt write-off with the Internal Revenue Service ) constitutes identity theft & unjust enrichment plainly. 

XXXX XXXX Bank XXXX XXXX Bank provided false statements in addressing the CFPB complaint XXXX filed XX/XX/XXXX. They are indeed known to XXXX XXXX XXXX and engage in business with the debt collector for the purchase of post charge-off accounts ( point of contact consumer support associate signed in attached XXXX documents XXXX. ). XXXX XXXX XXXX did not respond within the CFPB portal, instead sent correspondence via XXXX mail. This places the documents under the jurisdiction of the Postmaster. The seemingly coordinated, disjoint communications appear to strategically attempt to protect XXXX XXXX Bank and XXXX XXXX XXXX practices which violate UCC, IRC and FCRA laws through concealment. XXXX XXXX Bank 's statements are carefully crafted to side step compliance and avoid implication in financial crimes / incrimination in conjunction with illegal debt collection activity. 

( XXXX ) XXXX XXXX Bank flagrantly violates IRC 166, and FCRA 15 U.S.C. 1681s-2, 15 U.S.C. 1639 governing law. XXXX XXXX Bank XXXX XXXX Bank is hereby an accessory to unjust enrichment and identity theft. UCC 3-305 stipulates instructions regarding Holder in Due Course Rule - If the original lender no longer holds the note, they have no legal standing to enforce the debt or report it. 

( 2 ) UCC 9-210 - Right to demand full accounting - grants consumers the right to request an audit and accounting of all transactions. The actions of XXXX / XXXX  are less than satisfactory in upholding the federal regulations set forth by Congress to protect consumers and undermines the U.S. Banking System 15 U.S.C. 1681 - inaccuracies directly impair the efficiency of the banking system, undermine the public confidence which is essential to the continued functioning of the banking system which is dependent upon fair and accurate credit reporting. 


Attached is a screenshot of XXXX XXXX Bank XXXX XXXX Bank CFPB response Attached XXXX XXXX XXXX statements regarding procurement of post charge-off debts ( communications dated XX/XX/XXXX ) and received via U.S. Mail 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