Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13100848
Complaint Overview
Complaint ID: 13100848
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 77380
Date Received: 2025-04-21T12:00:00-05:00
Date Sent to Company: 2025-04-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reporting and status of the above-referenced account. According to my credit report, XXXX XXXX has charged off this account and claimed it as a profit and loss. If this is the case, under IRS regulations, I should have received a Form 1099-C ( Cancellation of Debt ). To date, I have not received this form, which raises concerns about the legitimacy and accuracy of the reporting. Additionally, since this account has been charged off, the balance should be reported as {$0.00}, reflecting that the debt is no longer collectible by the original creditor. Despite this, XXXX XXXX continues to report the full balance multiple times across my credit file, which constitutes duplicate reporting and is misleading and damaging to my credit profile. This violates the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), furnishers of information to consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Under 15 U.S.C. 1681s-2 ( a ), creditors are prohibited from furnishing information that they know or have reasonable cause to believe is inaccurate. Additionally, per 15 U.S.C. 1681s-2 ( b ), upon notice of a dispute, a furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify consumer reporting agencies of any corrections.
Frequently Asked Questions
What is Complaint #13100848 about?
Complaint #13100848 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-21T12:00:00-05:00.
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.