Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 request to fix incorrect data on my credit report with TRANSUNION on XX/XX/XXXX because they were reporting 10 student loans accounts with XXXX  as still open and with existing balances. This report was incorrect since all my student loans with XXXX  had been transferred to another student loan servicer and should appear as transferred, closed, paid off and with {$0.00} balance. In fact, those student loans with XXXX  were transferred by the Department of Education on XX/XX/XXXX when my application to the XXXX XXXX XXXX XXXX was approved. Subsequently those 10 student loan account transferred again to XXXX by the Department of Education on XX/XX/XXXX. The only part accurate from TRANSUNION is the report of those 10 student loan accounts currently with XXXX and their corresponding balances ( which are correct ). 
After my request to TRANSUNION to report accurately my student loan accounts with XXXX  as closed, paid off, transferred and with {$0.00} balance, TRANSUNION did not fix the problem and I submitted a complaint on XX/XX/XXXX with CFPB about the issue. As a response TRANSUNION sent a letter stating that the documents, I had submitted did not match their standards and that their report was accurate. This was wrong since I had submitted the official document from XXXX  demonstrating that the balance was {$0.00} and all the 10 student loan accounts had been transferred and paid off. I filed a second complaint with CFPB about this same issue on XX/XX/XXXX. This second time TRANSUNION fixed 7 of the 10 accounts of my student loans with XXXX  but incorrectly left as open and with balances 3 of those 10 accounts but I was not able to access my credit report and see a repetition of the part of the initial mistake. When finally I saw my credit report, TRANSUNION was still reporting 3 of my student loans with XXXX  as with a open and with a balance. 
On XX/XX/XXXX I filed again a request with TRANSUNION to correct their repeating error of reporting the remaining 3 student loan accounts with XXXX  as open and with the incorrect balances of {$20000.00}, {$10000.00} and {$10000.00}, which are incorrect since there were transferred, paid off and should be {$0.00} balance as XX/XX/XXXX as proved by the documents I attached. In the XXXX  loan verification letter attached you can see that all my student loans were paid off when transferred and all have a {$0.00} balance. 
On XX/XX/XXXX I received a response letter dated XX/XX/XXXX from TRANSUNION stating that these 3 student loans accounts with XXXX  had been verified and reported as accurate. This is simply impossible and wrong that after several complaints and over 6 months TRANSUNION had not still addressed the problem and report accurately my student loans with XXXX. All my 10 initial student loan accounts with XXXX   were transferred to another student loan servicer on XX/XX/XXXX by the Department of Education since my application to the Public Service Forgiveness Program was approved and all the 10 accounts with XXXX  ( including the 3 student loan accounts still reported by TRANSUNION ) should appear as closed, paid off and with {$0.00} balance. 
I filed a follow up and my 3rd complaint with CPBF on XX/XX/XXXX about this very same error. Transunion stated that it was still investigating the issue. Yesterday I received a letter from Transunion dated XX/XX/XXXX stating again that I had open and with balances 3 student loan accounts with XXXX, which is impossible and incorrect. After almost 9 months and 3 complaints Transunion has not fixed their error. Transunion is still reporting as open and with balances with XXXX  one student loan account of {$20.00}, XXXX ; a second account with a balance of {$10000.00} and a third account with a balance of {$10000.00} without providing any document or evidence from XXXX  that they still hold those student loan accounts as open and with those balances. As demonstrated by the official documents from XXXX  I have included, I have no student loan accounts with XXXX  since all were transferred, paid off and my overall balance is {$0.00} as XX/XX/XXXX. Transunion has demonstrated to be unable to fix their own mistakes on my credit report or address inaccurate reporting from the third party they use.

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 non-monetary relief