Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally XXXX loans. XXXX of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : XXXX. The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
XXXX. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
XXXX. The past due amount should have been {$33000.00} Not the amount reported. 
XXXX. They have positive payments from XXXX to XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XXXX. 

In XXXX I made XXXX payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current XXXX in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX P.O. XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX XXXX reported : {$45000.00}, {$45000.00} also said a portion was charged off. 


Along with what I stated and the recent issues with XXXX and their recent issues with the legal system : XXXX XXXX, the nations largest student loan servicer, is facing XXXX lawsuits alleging that it harmed student loan borrowers throughout the repayment process. 
The XXXX Consumer Financial Protection Bureau and the Illinois and Washington XXXX XXXX sued Navient in XXXX. 
Among other things, the CFPB alleges that since at least XXXX XXXX, XXXX misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. The CFPB is asking XXXX to compensate the borrowers the agency says were harmed. 
I am asking that this account be deleted and removed from my account immediately.

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