Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
( Violation of FCRA, 15 U.S.C. 1681 et seq. ) Dear TransUnion Dispute Department, I am writing to formally dispute an inaccurate charge-off reported on my credit report for my XXXXXXXX XXXX account ( Account Number : XXXX ), which is falsely listed under the " Collection/Charge-Off '' status. 

This charge-off was settled and should not be reported as an outstanding derogatory item. Additionally, no IRS Form 1099-C was provided to me, despite this being a legal requirement when a debt is written off. The failure to issue a 1099-C indicates that this account was not legally charged off, meaning it should not appear as a charge-off on my credit report. 

Violations of Federal Law ( FCRA & IRS Regulations ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Since this debt was settled, its charge-off status should have been removed. 
15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires furnishers to update and correct previously reported information if it is found to be inaccurate or incomplete.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable investigation within 30 days when a consumer disputes information. 
IRS Regulation ( 26 U.S.C. 6050P ) Creditors must issue a 1099-C for canceled or discharged debt. No such form was issued, proving that the charge-off claim is inconsistent with federal tax law.

Requested Action I formally request the immediate deletion of this charge-off from my credit report based on its inaccurate and misleading nature. The continued reporting of this account under " Collection/Charge-Off '' is an FCRA violation that is damaging my credit profile unjustly. 

Supporting Evidence To support my claim, I have attached the following : Screenshot from my XXXX Credit Report Showing the inaccurate charge-off. 
Bank Records Confirming Settlement Demonstrating that this debt was satisfied. 

Copy of My Drivers License & Passport Verifying my identity. 

Legal Notice & Next Steps Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct this inaccurate information within 30 days of receiving this dispute. If you fail to investigate and correct this inaccuracy, I will escalate this matter through the following actions : Pursuing legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Reporting this issue to the Federal Trade Commission ( FTC ) and IRS for further investigation Please provide me with written confirmation once this dispute has been resolved and the inaccurate charge-off has been removed. If TransUnion refuses to correct this error, I demand a detailed explanation, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

I appreciate your immediate attention to this matter and expect a response within 30 days, as required by law. If you require any additional information, please contact me using the details provided above. 

Sincerely, XXXX XXXX XXXX : Screenshot from XXXX Credit Report Bank Records Confirming Settlement Copy of Drivers License & Passport

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