Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8181413

Complaint Overview

Complaint ID: 8181413

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: Texas

ZIP Code: XXXXX

Date Received: 2024-01-15T12:00:00-05:00

Date Sent to Company: 2024-01-15T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Violates of 15 U.S. Code 1681 In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Violates of 15 U.S.C 1681c ( f ) Indication of dispute by consumer - If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtedness with 1099c and is now INCOME, furthermore income can not be on a consumer report. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged. When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). The companies decision to terminate collection action and accounting decision to write-off DEBT. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT. Also 15 USC 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Pursuant to 16 CFR 313.7 under the Continuing right to opt out. A consumer may exercise the right to opt out at any time. These laws are here to make sure my credit file and credit report has the proper reflection of each account. I attach proof from current consumer report of inaccuracy in report from multiple reporting agencies on multiple accounts. All information on Consumer report must be true and accurate reflection of the account. DELETE IMMEDIATELY AND INDEFINITELY. These accounts have already been disputed and investigated, I request immediate deletion of all inaccurate reporting. DELETE IMMEDIATELY AND INDEFINITELY. Further investigated is not needed theses account have been disputed, investigated and " verified '' as accurate, which they are not, DELETE IMMEDIATELY AND INDEFINITELY.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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