Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14870134
Complaint Overview
Complaint ID: 14870134
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 status incorrect
State: Florida
ZIP Code: 33020
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX has written off a debt account as a profit loss and has received payment from the IRS by issuing a 1099-C form. Despite this, the account is still being reported on my credit report with a * * negative payment history and an outstanding balance * *, which is both inaccurate and damaging to my credit profile. According to the * * FCRA, 15 U.S.C. 1681s-2 ( a ) * *, furnishers of information must report accurate data. Reporting a balance on a debt that has been canceled or dischargedespecially after a 1099-C is issuedis misleading and constitutes double reporting. Once a debt is written off and the creditor has received a tax benefit for the loss, they may no longer lawfully continue to report the debt as if it is still owed. This account should no longer reflect any balance due or ongoing delinquency, as the issuance of a 1099-C signals that the debt has been forgiven or discharged. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX XXXX to :
Frequently Asked Questions
What is Complaint #14870134 about?
Complaint #14870134 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 2025-07-24T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.