Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed these issues multiple times with XXXX through TransUion and through CFPB, yet the information the company is submitting as proof that the loans were on default is not a complete report or investigation. As I have stated in previous complaints the late payments were no longer reported after my loans were consolidated in 2018 as the payment history became Non-defaulted after XXXX was paid in full which they were the originators of my loans. When XXXX  became the lenders of those old records they began to report late payments on my transunion report. 

I have attached a pdf document I acquired from the US Department of Education, National student Loan Data System 's website as follows https : //nsldsfap.ed.gov/ which holds all information about my student loans. XXXXWhen I disputed the payment history, I asked for XXXX to submit documentation supporting they had conducted a thorough investigation with the US Department of Education and not documentation with the company 's letter head ( XXXX XXXX XXXX ) stating that my account was late because my consolidation application and approval were submitted directly to the US Department of Education and not XXXX so XXXX will not and does not hold further documentation to assist XXXX in their through investigation. 

Per the Fair Credit Reporting Act enacted in 1970, '' 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' aXXXX failed to conduct a reasonable investigation as they did not look beyond the documents they al ready have on file to determine if the dispute I am submitting can be verified through Federal Student Aid.

I have attached part of the FCRA Laws bellow.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The appropriate reporting should be as followed. Non-defaulted, Paid In Full Through Consolidation Loan. There should be no payment history reported at all. 

I have attached to this dispute a screenshot of how XXXX is reporting the student loans, a pdf that includes my personally identifiable information along with the college I attended, the student loan status of all loans disbursed, payment history, years the loans were disbursed and consolidations throughout the life of my student loans among other things. I was only able to submit copy of the loans involved in the dispute because file exceeds size requirements. XXXX does not report the payment history per Federal Student Aid request which was updated in 2018 shortly after the loans were consolidated. Since the loans have been closed and are currently reported on my credit through my new provider XXXXXXXX XXXX  is negatively reporting the same loans that are currently in my credit report and are not following Federal Student Aid regulations and protocol.

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