Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On or about XX/XX/XXXX XXXX informed me that i needed to reapply for income based repayment ... so i did ... my income as per the previous XXXX yrs or so was the same as it had been : {$0.00} XXXX responded to my application with a new repayment amount of {$1.00} the years previous the loan repayment amount had been {$0.00} I found this new repayment amount of {$1.00} to be odd as my income had not changed and my living situation had become worse as i now found my self homeless. I did some research and ame to the conclusion that if i paid the {$1.00} amount it would reset the number of years of {$0.00} payments. XXXX years of {$0.00} was needed to show cause for discharge of debt due to XXXX. I came to the obvious conclusion : If i paid the {$1.00} repayment amount that XXXX was requiring me to pay the conseutive years needed for discharging the debt would have been reset to XXXX i found this to be unacceptable and delined by not aggreeing to the income based repayment amount of {$1.00} the XXXX was now requiring. 

I did not make any payments of {$1.00} for the entire 2020 year. Because of the unethical nature that XXXX had displayed... i chose to with draw my participation in any income based repayment plans that XXXX offered moving forward. as a XXXX Veteran with a 100 % diability claim ... a claim that had finly been advanced on the docket... i was confident that i would be awarded the 100 % XXXX and my debt would be XXXX without issue. I communiated this to XXXX and the other loan service providers associated with my student debt. Thus i am in good standing with XXXX and the XXXX dept of education. 

XXXX chose a different route. they have falsely reported numerous entries to the credit bureau '' XXXX over the last 4 years. They have negatively affected my credit with reports of delinquncy and 120 day past due. 

starting in XX/XX/XXXX XXXX rportd my payments as {$0.00} per month even though they billed me for the {$1.00} amount prviously discussed.Despite the fact that i never sent a single payment of {$1.00} to XXXX... they reported to the credit bureau 's that i had made all XXXX payments ( recorded as {$0.00} ) XXXX in XX/XX/XXXX XXXX started reporting my account XXXX and 120 days past due for the amount of {$150.00} ( approx ). They state this is due to me not filling out and agreeing to an Income based repayment plan. XXXX continued this until th end of XXXX and then closed the account under the negative premiss of default. 

in XXXX i did not fill out and agree to an XXXX based repayment plan and they did not report my account past due one single time. XXXX did not report the amount due as XXXX ( approx ) or even the accual amount billed of {$1.00}. They reported it as it had been the previous 7 years ... {$0.00} i have contacted XXXX several times from XX/XX/XXXX - present. I communicated to them that that the {$1.00} payment requirement in XXXX was XXXX and that i would not be playing their game moving forward. They were made aware that my income of {$0.00} was never going to change and that a 100 % VA disbility award was iminent. They knew that they were never going to collect any money from me... ever, yet they aggressively persued a payment of {$150.00} ( approx ) through constant phone calls, emails and us postal service. THEY CONTINUE TO REPORT NEGATIVELY ON XXXX SEPERATE ACCOUNTS. 

I have requested the removal of all negative reports... XXXX has refused. 

Also of note... i was told by XXXX that in order to have my debt discharged due to XXXX i would need to fill out and return an application. I had them send me one. 
I recieved an application that can best be described as " overwhelming '' in regards to the amount of personal information they were requiring. I did not fill it out and return it as i felt that they did not need anything other than a verification letter. The VA autmattically sends these out when a veteran is awarded 100 % XXXX. 

I am requesting that XXXX provide me with copies of all of my income based repayment agrrements... .signed or otherwise I am also requesting all of my deferment agreements as i am wondering if they reqired me to use all of my deferments before being allowed to enter int0 any income based repayment plans.