Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last Four ) : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX/Equifax/XXXX Subject XXXX Dispute of Inconsistent Student Loan Reporting Request for Reinvestigation and Method of Verification ( M.O.V. ) Whom It May Concern, I am submitting this formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have identified material inconsistencies and contradictory information regarding a student loan account reported by the Department of EducationXXXX XXXX These inaccuracies have created confusion and have negatively affected my credit profile. 

1. Account Identification and Inconsistent Reporting This loan appears on my credit report as XXXX separate accounts with differing account numbers : TransUnion : Account # XXXX Equifax : Account # XXXX Experian : Account # XXXX XXXX. Reported Balances and Status All three bureaus report a 0 % remaining balance on the loan, indicating it is fully paid. 
Contradictorily, all three bureaus simultaneously report an amount past due of {$210.00} with an open status. 

3. Conflicting Account Details Last Activity Date : TransUnion and Experian report XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. 

4. Account Remarks : TransUnion shows no remarks, XXXX  classifies it as a student loan, and Experian reports the account as delinquent 180 days past due. 

XXXX. Delinquency History ( XX/XX/XXXX Days Late ) : TransUnion and XXXX  report XXXX occurrences, whereas Experian reports XXXX. This is factually and mathematically impossible since one can not be 90 days late multiple times without prior XXXX or XXXX delinquencies. 

6. Months Reviewed : TransUnion reports XXXX, XXXX  XXXX, and Experian XXXX  months reviewed, showing significant inconsistency. 

7. Term Count : TransUnion and Experian report 120 months, while XXXX  reports zero.

8. Payment History : TransUnion reports 96 % of payments made on time, XXXX  reports 92 %, and Experian reports 88 %. 

Legal Basis for Dispute These discrepancies constitute violations of the FCRAs mandate to ensure that consumer credit reports are fair, accurate, and complete ( 15 U.S.C. 1681e ( b ) ).

Specifically, under FCRA 611 ( 15 U.S.C. 1681i ), I request a thorough reinvestigation and verification of this account. Additionally, the reporting of contradictory account status and delinquency information violates principles established in cases such as Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), where the courts emphasized the importance of consistent and accurate reporting.

Requested Action In accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), if this account is verified as accurate, I request the Method of Verification ( M.O.V. ) to be provided, including : Who was contacted to verify the account information How the data was verified The source ( s ) of the information provided If the account information can not be verified as accurate and consistent, I request immediate deletion of all inaccurate or conflicting entries to ensure my credit report reflects only accurate and truthful information.

Enclosures A clear copy of my State-issued ID ( proof of identity ) A recent utility bill ( proof of address ) I appreciate your prompt attention to this dispute and look forward to your response within the 30-day period mandated by federal law. 

Sincerely, XXXX 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 non-monetary relief