Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Okay, here are XXXX separate complaint letters drafted to the CFPB, XXXX targeting the Department of Education and the other targeting XXXX, based on the issues outlined in your original dispute letter. 

Letter XXXX : Complaint Against the U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX [ Your Email Address ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX ( Or via online submission at XXXX ) Subject : Formal Complaint Against U.S. Department of Education Inaccurate Reporting and Oversight of Federal Student Loan Data XXXX XXXX XXXX XXXX Acct # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against the U.S. Department of Education XXXX XXXX ) concerning significant and persistent inaccuracies related to federal student loan data appearing on my credit reports issued by Equifax , Experian XXXX and TransUnion XXXX dated XX/XX/XXXX. These inaccuracies pertain to loans identified under Account # XXXX, which are serviced by XXXX XXXX behalf of the XXXX. 

As the guarantor and ultimate owner of these federal student loans, the Department of Education bears responsibility for the integrity and accurate reporting of associated loan data, including oversight of its designated servicers. My credit reports reveal numerous inconsistencies and likely errors concerning these DoED loans, including : Conflicting Balances : The outstanding balances reported for the same loan ( XXXX ) differ across the XXXX major credit reporting agencies ( CRAs ). 
Inconsistent Delinquency Status : The reported delinquency status ( e.g., days past due ) is inconsistent across the CRAs for the same reporting periods. 
Varying Due Dates : The reported due dates associated with the loan ( XXXX ) are not uniform across the bureaus. 
Potential Duplication/Incorrect Splitting : The manner in which the loans are listed suggests potential duplication or inaccurate separation of loan components. 
Outdated Severe Delinquency : Some entries reflect a status of XXXX days late despite showing no documented activity or updates since XXXX, raising questions about their current validity and accuracy. 
These discrepancies create a confusing and inaccurate representation of my obligations and payment history, violating the principles of accuracy mandated by the Fair Credit Reporting Act ( FCRA ). While XXXX is the servicer directly furnishing data, the fundamental inconsistencies suggest potential issues with the underlying data managed or overseen by the XXXX, or inadequate oversight of servicer reporting practices. This situation negatively impacts my creditworthiness based on flawed information originating from XXXX loan 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