Consumer complaint received 2025-08-05 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:
I recently became aware that XXXX XXXXXXXX XXXX XXXX  services filed a civil suit against me in the XXXX XXXX court case number XXXX on XX/XX/XXXX for contract debt collection. On XX/XX/XXXX XXXX XXXX closed this credit card account as a charge off. On XX/XX/XXXX of XXXX I mailed a letter to XXXX XXXX requesting a 1099C for my tax purposes. Which I never received. 
Dear CFPB Representative, I am submitting this formal complaint against XXXX XXXX  transunion, XXXX XXXX XXXX  credit reporting agencies regarding what I believe to be multiple violations of federal consumer protection laws in connection with an alleged debt. 

On XX/XX/XXXX, XXXX XXXX  charged off a credit card account that was previously held. This charge-off is currently reflected under closed accounts on my credit report. Upon discovering this, I made a written request to XXXX XXXX  for a Form 1099-C ( Cancellation of Debt ), as is customary and required when a creditor discharges {$600.00} or more of debt. To date, I have not received a 1099-C. 

Despite charging off the account and closing it on my credit report, XXXX XXXX  has now filed a civil lawsuit against me in small claims court, seeking to collect on this same debt. 

This situation raises several legal concerns, including potential violations of : Relevant Consumer Protection Laws : 1. Internal Revenue Code ( 26 U.S. Code 6050P ) : Creditors are required to file a Form 1099-C with the IRS and provide a copy to the debtor when {$600.00} or more of debt is canceled or discharged. XXXX XXXX  failure to provide me with a copy of this form is noncompliant. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e : It is unlawful for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. Continuing to pursue legal action on a debt that was charged off and potentially canceled may be deceptive, especially without proper tax documentation.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) : Furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. Reporting the account as charged off while simultaneously pursuing litigation for collection creates a discrepancy that may violate this statute. 



I believe XXXX XXXX  actions are unfair, deceptive, and potentially unlawful. I am requesting that the CFPB : Investigate XXXX XXXX  for failure to issue the required 1099-C. 
Investigate the legal basis for suing me after reporting the account as charged off. 
Determine whether this practice constitutes a violation of the FDCPA, FCRA, and/or IRS regulations XXXX 
Direct XXXX XXXX  to cease any further collection or litigation efforts until this matter is resolved. 

I am attaching supporting documentation, including my credit report entry for the account and court summons ( if available ). 

Please confirm receipt of this complaint and inform me of the next steps in the investigation. I am prepared to fully cooperate and provide any additional documents or testimony needed. 

Thank you for your attention and assistance. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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