Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15189796
Complaint Overview
Complaint ID: 15189796
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 07026
Date Received: 2025-08-09T12:00:00-05:00
Date Sent to Company: 2025-08-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the inaccurate reporting of a XXXX XXXX XXXX account currently shown as charge-off on my credit reports with TransUnion and Experian. On XX/XX/year>, XXXX XXXX XXXX issued an IRS Form 1099-C, showing a cancelled debt in the amount of {$3800.00}. Under IRS rules, a 1099-C represents a formal discharge of debt, meaning no further collection or negative reporting should occur. Despite this, the account is still reported as unpaid/derogatory, which is factually inaccurate, misleading, and in violation of : FCRA 605 ( a ) ( 5 ) prohibits the reporting of obsolete or misleading derogatory information. FCRA 623 ( a ) ( 1 ) ( A ) forbids furnishers from reporting information they know, or should know, is inaccurate. FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Continuing to report a cancelled debt as a charge-off misrepresents the legal status of the account and causes harm to my credit profile. I am requesting immediate deletion of this account from all my credit reports. Supporting documents, including the 1099-C and excerpts from my credit reports showing the inaccurate reporting, are attached.
Frequently Asked Questions
What is Complaint #15189796 about?
Complaint #15189796 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-09T12:00:00-05:00.
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.