Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
The IRS law about Charge Off and how it is income and XXXX XXXX  is violating the IRS law and reporting income on my credit report they are breaking the law and they must stop and they must be deleted out of my credit report they are in violation of the law Department of the Treasury Internal Revenue Service Publication 525 Canceled Debts In most cases, if a debt you owe is canceled or forgiven, other than as a gift or bequest, you must include the canceled amount in your income. You have no income from the canceled debt if it's intended as a gift to you. A debt includes any indebtedness for which you're liable or which attaches to property you hold.

If the debt is a nonbusiness debt, report the canceled amount on Schedule 1 ( Form 1040 ), line 8c. If it's a business debt, report the amount on Schedule C ( Form 1040 ) or on Schedule F ( Form 1040 ) if the debt is farm debt and you're a farmer. 
Starting in XXXX, you must include the income you elected to defer in XXXX or XXXX from a cancellation, reacquisition, or modification of a business debt. For information on this TIP election, see Revenue Procedure XXXX, available at XXXX XXXX # XXXX. 
Form 1099-C. If a federal government agency, financial institution, or credit union cancels or forgives a debt you owe of {$600.00} or more, you may receive a Form 1099-C. Form 1099-C, box 2, shows the amount of debt either actually or deemed discharged. If you don't agree with the amount reported in box 2, contact your creditor. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX Birth Date : XXXX, XXXX XXXX Social Security Number XXXX Consumer Financial Protection Bureau XXXX XXXX and XXXX XXXX, XXXX Washington, XXXX XXXX XXXX Department Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Washington XXXX DC XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Florida XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX birthdate XX/XX/XXXX Victim of Security Breach, Data Breach and Identity Theft my personal information has been compromised by the social security symptom, banks and credit bureau Data breaches all my personal information has been compromised by Hackers and here we have XXXX XXXX  breaking the law and using my credit report and damaging my credit report and buying power as follows there needs to be accountability i am asking that XXXX XXXX  be deleted out of my credit report do to the following XXXX XXXX  is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX  Account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX  ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX  for the cancelled debt of { { {$2900.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX  XXXX XXXX writing off debt with the IRS without XXXX out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX  terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX  must be deleted out of my credit report for reporting income on my credit report this is a violation of the law and my civil rights and my constitutional rights by law there needs to be accountability and any entity or company that breaks the law you must be report and must be given sanctions for violating the law XXXX XXXX  must be deleted out of my credit Report Discover Bank is not above the law they are not following the law they are violating the law they report Charge off on my credit report which is income the IRS states that Charge off is income so XXXX has been reporting income on my credit report and this is a violation of the law and must be deleted out of all my credit reports as soon as possible So I ask that this XXXX XXXX  be removed out of my credit report for violating the IRS laws and my civil and constitutional rights God Bless us all and i hope we all have a good day Thank you XXXX XXXX Looking for a quick and swift action on 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