Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I am writing to request an urgent update to my credit report regarding my student loan accounts. I entered into a forbearance agreement with my loan servicer, and as per our agreement, my payments were never late during this period. However, my credit report currently inaccurately reflects late payments on these accounts, which is affecting my credit score and financial standing. I kindly ask that you correct this error by updating my student loan accounts to show that they were never late due to the forbearance agreement. '' It is of utmost importance that my credit report accurately reflects my financial history. The erroneous reporting of late payments on my student loan accounts during the forbearance period is causing undue harm to my creditworthiness. I have diligently adhered to the terms of the forbearance agreement, and my accounts should reflect this fact. I respectfully request that you promptly rectify this issue by updating my credit report to accurately reflect that my student loan accounts were never late due to the forbearance agreement. Your cooperation in resolving this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX  Educational Balance : {$39000.00} Account # XXXX Account Type Detail Bureau Code Comments XXXX XXXX (! ) XXXX (! ) - Credit Limit XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$39000.00} {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) - (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX Installment XXXX XXXX XXXX {$12000.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX (! ) Consumer disputes after resolution Affected by natural disaster XXXX XXXX XXXX XXXX XXXX - Billing error Please update to never late! 
I urgently insist that the deficient information be removed immediately! This information has never been verified for accuracy, completeness, timeliness, or validation. It has not been confirmed to comply with reporting standards. 
Additionally, please refer to the image above for XXXX - XXXX for further areas of concern. 
It has come to our attention that the reported Account No ( XXXX ), Account Type Details, No. of Months ( terms ) ( XXXX ), Last Reported, Date Last Active ( XXXX ), Date of Last Payment ( XXXX ) & Date Opened ( XXXX ) displays a significant lack of consistency among the XXXX credit reporting agencies, which is unacceptable. Strict adherence to the XXXX XXXX standards is of paramount importance to ensure accurate data reporting. Any deviation from these mandatorily required fields is deemed intolerable as it would severely compromise the integrity of all reported information. Upon reviewing this account, the apparent inaccuracies are disturbing and raise grave concerns about the reliability and credibility of the entire account. 
XXXX XXXX XXXX : {$25000.00} Account # XXXX Account Type Detail Bureau Code Comments XXXX XXXX (! ) XXXX (! ) - Credit Limit XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$25000.00} {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) - (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX Installment XXXX XXXX XXXX {$8500.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX (! ) Consumer disputes after resolution Affected by natural disaster Under 15 U.S. Code 1666b - Billing error Please update to never late! 
We are gravely displeased to assert that the account attributed to XXXX, accompanied by the displayed account number XXXX on my report, has failed to substantiate its validity, accuracy, and completeness, let alone comply with the necessary certifications for accurate reporting. It is absolutely infuriating to acknowledge that the XXXX itself has either implied or explicitly stated that any deviation from the law or established credit reporting industry standards renders a claim deficient, thereby necessitating the immediate removal of all such claims from reporting. Furthermore, we demand that these claims not be returned unless and until they can be lawfully proven to comply with all the requisite conditions for legal reporting. This action shall be undertaken without exception, even in the face of your apparent misapplication, willful ignorance, or flagrant negligence with regard to your reporting practices and claims. We expect you to meticulously document any deviations, including but not limited to the following issues, as solid grounds for the thorough eradication of the claim 's reportability. 
It has come to my attention that the Account No ( XXXX ), Account Type Details, No. of Months ( terms ) ( XXXX ), Last Reported, Date Last Active ( XXXX ), Date of Last Payment ( XXXX ) & Date Opened ( XXXX ) reported does not meet the necessary standards set forth for reporting and may suggest a lack of professionalism. It is evident that there are discrepancies in the reported data, indicating a failure to adhere to the XXXX XXXX guidelines, which are imperative for ensuring accuracy in credit reporting. I demand that you rectify this issue immediately by meticulously filling out all fields in compliance with the aforementioned guidelines before making any additions to my credit profile. Failure to do so will result in serious consequences. 
I demand, with a fiery intensity, that you immediately initiate an investigation to substantiate the disputed information with the original creditors and promptly supply me with any documentation bearing my signature linked to these accounts. In the grievous absence of any such evidence, I vehemently insist that all accusations, inquiries, and accounts presently tarnishing my credit report under my Social Security number be ruthlessly expunged without delay. 
Kindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. 
This letter is to notify you that I have been made aware of your illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act is in violation of XXXX XXXX XXXX XXXX XXXX, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer. 

XXXX XXXX XXXX

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