Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX, am now opting out any & all authorization as I the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802. Obligations with respect to disclosures of personal information, XXXX Form of opt out notice to consumers ; opt out methods, with said company XXXX U.S. DEPARTMENT The Family Educational Rights andPrivacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transferto the student when he or she reaches the age of XXXX or attends aschool beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible studentin order to release any information from a student 'seducation record. However, XXXX allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a studentis transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connectionwith financial aid to a student ; Organizations conducting certain studies for or onbehalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safetyemergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory ''information such as a student 's name, address, telephone number, dateand place ofbirth, honors and awards, and dates of attendance. However, schoolsmust tell parentsand eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school notdisclosedirectory information about them. Schools must notify parents and eligiblestudentsannually of their rights under XXXX. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) isleft to thediscretion of each school. Based on the said laws & codes I exercise myrights as anconsumer because my personal information is being used unlawfully.Further his isnow a " Charge-Off '' considered a certificate of indebtedness per theIRS and incomecan not be reported. The IRS Clearly defines a charge off as Gross orOrdinaryincome, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which infact makes reporting of this account inaccurate! I provided ascreenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debtor Charge off is Income.The reporting of this account as a debt is inaccurate & unlawful. As well as sharing orselling my personal student loan info per the TheFamily Educational Rights andPrivacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). The 1099-C, which was sentto XXXX last year in 2023 also proves that this is discharged, so why is it still on myconsumer report?

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 explanation