Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Transunion on XX/XX/XXXX because I found inaccuracies across the collections account reporting of my formerly defaulted student loans. These 4 loans were sent to US Dept of Ed collection agency XXXX XXXX XXXX   XXXX XXXX ( They report on my credit as US Dept of Ed ). These loans were subsequently consolidated into one account with XXXX XXXX on XX/XX/XXXX. I disputed these 4 accounts because they are reporting inaccuracies and wanted them verified and updated. Specifically all 4 are reporting inaccurate closed dates and 1 specific account is reporting an incorrect high balance. Each of these accounts are also reporting failure to pay in XX/XX/XXXX when these accounts were after all paid. After receiving my results on XX/XX/XXXX about this dispute and all information being verified and/or updated, I mailed a certified with return receipt requesting method of verification used to verify these accounts since they still contain inaccuracies. On XX/XX/XXXX I was mailed a one page letter about investigation procedure from Trans union, which still doesn't prove their method of verification on these four accounts. They have failed to update inaccuracies, have failed to provide how they verified these accounts since I have proof they are inaccurate. Now we are experiencing a violation in my credit reporting rights. Since the information wasn't made accurate after dispute and they have failed to show the verification method yet these accounts still remain inaccurate. This is a violation that I would now like deleted since the initial result of verification was inaccurate and they have failed to provide how they think it is accurate. Please see all the attachments regarding this matter which include : receipt for certified letter, original letter for method of verification request, method of verification request letter sent on XX/XX/XXXX, original dispute results from XX/XX/XXXX, FAFSA.ed.gov student loan information showing accurate loan amount, and also NSLDS showing the date closed on the accounts which is inaccurate as well and also once again the original balance for the account which has the error dating XX/XX/XXXX. The other 3 accounts show incorrect closing dates which has failed to be validated and once again show otherwise on national student loan database. This has continued to affect my credit and I have put in effort through disputes to have the inaccuracies updated, but they keep coming back verified when i have proof otherwise. These loans are set to come off in less than a year because of the date of original delinquency and I have been dealing with this long enough and inaccurate reporting of these loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation