Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I am requesting the complete deletion of all XXXX student loan accounts due to pervasive, material inaccuracies, misleading reporting, and violations of federal law. 

Originally, I held XXXX single student loan account through XXXX XXXX XXXXhich was reported under XXXX account number, XXXX balance, and XXXX XXXX. After XXXX acquisition of the portfolio, my single loan was split into XXXX separate tradelines, each with different APRs, terms, balances, and payment histories that never existed. This fragmentation of a single obligation into multiple new accounts is factually inaccurate, materially misleading, and damaging to my creditworthiness. 

Under FCRA 1681e ( b ), a furnisher must ensure that information they report is maximally accurate. XXXX  reporting is the opposite it artificially inflates my total debt load, increases my overall APR exposure, creates multiple open installment accounts that never existed, and misrepresents the true origin and structure of the loan.

Courts have already condemned this practice : Key Case Law Supporting Deletion XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) furnishers and bureaus XXXX NOT rely on automated verification when the consumer has provided evidence of inaccuracies. My disputes have been repeatedly ignored or verified without any real investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reporting information in a technically correct but misleading way still violates the FCRA. XXXX  splitting of XXXX XXXX  loan into XXXX separate debts creates a misleading impression of higher indebtedness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a furnisher violates the FCRA when they report information that is misleading in such a way and to such an extent that it can be expected to have an adverse effect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) furnishers must conduct meaningful investigations and ensure accurate reporting. XXXX has not investigated any of the disputes I submitted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) furnishers can not simply parrot their own records. They must prove accuracy with documentation. XXXX has provided none. 

Major Violations by XXXX ( All Supporting Deletion ) XXXX. Tradeline Fragmentation = Inaccurate & Misleading Reporting I never signed XXXX different loan agreements. XXXX never reported XXXX individual loans. Only after XXXX took over did these appear. The new APRs, account numbers, and balances do not reflect the original contract, violating FCRA XXXX ( a ). 

Federal courts have repeatedly held that misleading reporting = inaccurate reporting ( XXXX, XXXX ). 

XXXX. Uniformity Violations XXXX Loan Deleted on XXXX  XXXX of the XXXX loans has already been deleted by XXXX, proving the data is unreliable and unverifiable. For the exact same GLS loan, XXXX  shows fewer accounts than XXXX  and TransUnion. 

Under FCRA XXXX ( b, maximum accuracy must be consistent across bureaus. 

Uniform reporting is required. XXXX is violating that duty. 

XXXX. XXXX Manipulation and Harm to Creditworthiness My single XXXX  loan carried XXXX XXXX. XXXX assigned : different interest rates, different highest balances, different terms, and different reported statuses. 

This artificially inflates my debt-to-income ratio and risk profile. 

XXXX. Lack of Meaningful Investigation ( FCRA XXXX ) I have filed disputes through multiple bureaus AND through the CFPB. XXXX either : ignored the dispute, verified automatically, or provided no documentary proof. 

Under XXXX, this is illegal. 

XXXX. Failure to Report Complete & Accurate Information XXXX is furnishing : inconsistent balances, inconsistent payment histories, missing account context, mismatched open/closed statuses, and account structures that do NOT match the original XXXX XXXX 

This is exactly the type of conduct federal courts classify as misleading and materially incompletea direct FCRA violation.

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