Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX I reached out to Transunion about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation File number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in XXXX loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX. 


As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about XXXX years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.

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