Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against TransUnion and XXXX  for inaccurate credit reporting of my XXXX federal student loan accounts. Despite being in a federal administrative forbearance period mandated by court injunctions, both agencies have reported late payments, negatively impacting my credit. 

My XXXX loans were placed into 0 % interest administrative forbearance from XX/XX/XXXX due to federal court injunctions concerning the Saving on a Valuable Education ( SAVE ) Plan. The " XXXX XXXX '' document confirms : " In XX/XX/XXXX, a federal court injunction blocked parts of the Saving on a Valuable Education ( SAVE ) Plan. As a result, eligible federal student loans were placed in forbearance with a 0 % interest rate... In XX/XX/XXXX, a second federal court injunction ended this 0 % interest rate. To comply with this injunction, loan ( s ) in the XXXX forbearance will begin accruing interest on XXXX XXXX, XXXX. '' This means no payments were due and no interest accrued during this period ( XX/XX/XXXX- XX/XX/XXXX ). 

Specific Inaccuracies : Both XXXX  and TransUnion have reported " XXXX LATE PAYMENT '' and a " 90 '' day delinquency for my XXXX accounts in XX/XX/XXXX ( and for TransUnion, XX/XX/XXXX on XXXX account ). This is incorrect as my loans were in forbearance. 

XXXX  Reports : XXXXXXXX XXXX XXXXXXXX ( Account XXXX ) : Shows " 1 LATE PAYMENT '' and " 90 '' days past due in " XXXX '' XXXX. XXXX {$1500.00} ( Original {$1700.00} ), updated XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX ( Account XXXX ) : Shows " 1 LATE PAYMENT '' and " 90 '' days past due in " XXXX '' XXXX. XXXX {$2600.00} ( XXXX {$3000.00} ), updated XX/XX/XXXX. 

TransUnion Reports : XXXX TRANSUNION XXXX  XXXX ( Account XXXX ) : Shows " 1 LATE PAYMENT '' and " 90 '' days past due in " XXXX '' XXXX. XXXX {$1500.00} ( XXXX {$1700.00} ), updated XX/XX/XXXX. 

XXXX TRANSUNION XXXX  XXXX ( Account XXXX ) : Shows " 1 LATE PAYMENT '' and " 90 '' days past due in " XXXX '' XXXX. XXXX {$2600.00} ( XXXX {$3000.00} ), updated XX/XX/XXXX. 

Reporting late payments during a federal forbearance period violates the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : TransUnion and XXXX  have failed to maintain reasonable procedures to ensure maximum possible accuracy of my credit reports, as required by the FCRA. 

15 U.S.C. 1681e ( b ) ( Accuracy of report ) : Requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information. '' 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : Requires reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ) : Outlines furnishers ' duties to provide accurate information. The credit bureaus ' failure to correct this information, despite its official forbearance status, indicates a systemic issue.

The inaccurate reporting of late payments during a period of mandated forbearance has caused me financial harm and negatively impacted my credit score.

Requested Action : I urge the FTC to investigate this matter and compel TransUnion and XXXX  to : Immediately remove all reported late payments and delinquencies from my credit reports for periods covered by the SAVE administrative forbearance. 

Accurately reflect the forbearance status of my XXXX student loans. 

Update reporting procedures to prevent future inaccuracies for consumers in federal student loan forbearance programs.

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