Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10982210
Complaint Overview
Complaint ID: 10982210
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Louisiana
ZIP Code: 70114
Date Received: 2024-11-30T12:00:00-05:00
Date Sent to Company: 2024-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against XXXX XXXX XXXX regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account. Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly. Actions Requested : 1. Investigate XXXX XXXX XXXX failure to provide the requested 1099-C form for the account listed above. 2. Verify whether XXXX XXXX Bank properly discharged the debt and issued the required documentation to the IRS. 3. If XXXX XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #10982210 about?
Complaint #10982210 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-30T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.