Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/2021 my previously defaulted federal student loans were rehabilitated. The XXXX XXXX XXXX on behalf of the US Department of Education ordered the 4 credit bureaus remove the record of default my credit report. XXXX XXXX XXXX confirmed to my by phone on XX/XX/2021 that the bureaus had been contacted and emailed me a copy of the default clearance letter sent to the credit agencies. 

On XX/XX/2021 I submitted a dispute to Transunion for an unrelated-paid medical collections. I wanted this account removed because Transunion claims they dont factor paid collections into their XXXX model but it was still being factored in. On XX/XX/2021 I noticed that Transunion had deleted all previously defaulted loan accounts except for one so I called and asked them to submit a dispute so that XXXX could fix it ( which XXXX had confirmed through previous correspondence they were willing to do ). Unbeknownst to me because its not listed in writing anywhere that I could find on XXXX website, nor was it relayed by the agent that submitted my dispute over the phone, that the unrelated dispute for the paid medical collection would be grouped together with any, and all disputes submitted and that my credit report would not be updated until after ALL disputes were completed. 

This is incredibly frustrating for several reasons, not least of which is the fact that I have confirmed with XXXX that the information has been submitted to Transunion more than once. Not only that but also that to date Transunion is the only credit bureau thats still reporting my student loans as defaulted. XXXX and XXXX have both updated my reports and scores. 

The dispute process is supposed to be transparent. I read through all reference materials that could be found regarding Transunions dispute resolution process online and spoke with several different agents including a supervisor and not until today was it disclosed that they will not update my report until ; the dispute with medical companys collections department is resolved, or I cancel and and all disputes, whether related to the single remaining loan account or not. This is completely unethical. 

I dont believe the FCRA allows for Transunion to intentionally report inaccurate information about federal student loans because theyre waiting for an answer from some person at a doctors billing office. I also dont believe its ethical for them to attempt to leverage the negative impact this inaccurate information is having in me financially in order to get me to cancel the dispute against the medical clinic. A dispute which I only submitted because the paid medical bill was still being factored into my XXXX ; which is a direct contradiction to information listed on Transunions website regarding that specific scoring model. 

I have worked extremely hard for the last 3+ years paying off bad debt while simultaneously keeping new accounts blemish-free. I have no outstanding bad debts remaining and my credit report should reflect the effort and discipline Ive demonstrated in that time.