Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11384000
Complaint Overview
Complaint ID: 11384000
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: California
ZIP Code: 95340
Date Received: 2025-01-04T12:00:00-05:00
Date Sent to Company: 2025-01-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged. XXXX. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I XXXX the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). XXXX was sent a copy of the 1099-C as required, notifying them of the debt cancellation. 3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation. They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ). These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment. Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices. XXXX. Require XXXX to cease all collection efforts on this discharged debt immediately. XXXX. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years. Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt. Any collection notices received after the discharge. Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11384000 about?
Complaint #11384000 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 2025-01-04T12:00:00-05:00.
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.