Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date : XXXX XXXX XXXX : TransUnion LLC XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute Unauthorized XXXX XXXX Accounts Reporting on My Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute the reporting of multiple student loan accounts listed under the names DPT EDXXXX, DEP EDXXXX XXXX XXXX, and XXXX on my TransUnion credit report. I never authorized any of these loans to be reported, nor did I grant any lender permission to furnish this information to TransUnion. 
These accounts are reporting without my knowledge or consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that they be permanently deleted from my credit file. Below is the full list of the disputed accounts and balances : Disputed Student Loan Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} FCRA Legal Grounds for Deletion and Blocking : 15 U.S.C. 1681b Permissible Purpose : Consumer report information must only be furnished for legitimate, permissible purposes. Reporting student loans without consent violates this standard.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : TransUnion is required to ensure all data in a consumer report is accurate and not misleading. Reporting unauthorized or incorrect loan information misrepresents my credit profile.

15 U.S.C. 1681i Reinvestigation Requirements : Once a consumer disputes the accuracy or ownership of an account, TransUnion must reinvestigate and remove unverifiable or unauthorized information within 30 days. 
15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft : If these accounts resulted from identity theft or unauthorized access, they must be blocked from appearing on my report once I have submitted appropriate documentation.

My Formal Requests : 1. Immediately and permanently delete all of the above-listed student loan accounts from my TransUnion credit report.

2. Block these accounts from future reinsertion unless full verification and consumer authorization are obtained, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Provide written confirmation of the results of your reinvestigation and the actions taken. 

4. Ensure future compliance with all FCRA reporting standards related to accuracy and authorization.

Failure to respond appropriately within the 30-day time frame mandated by the FCRA may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and legal counsel.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

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