Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is a formal complaint to report XXXX continued misclassification and mishandling of a Fair Credit Reporting Act ( FCRA ) dispute regarding a tradeline reported by XXXX 

The original dispute submitted via the CFPB clearly indicated that the reporting of an XXXX XXXX XXXX ( XXXX ) tradeline was inaccurate and legally mischaracterized. The account in question is not a conventional loan, credit, or wage assignment, and no repayment obligation has been triggered under the terms of the XXXX. The dispute is rooted in misreporting and failure to comply with relevant federal lending disclosure laws. 

Despite this, TransUnion has responded multiple times by incorrectly treating the dispute. This misclassification is not only baseless, but it is also obstructing the proper resolution of the underlying FCRA dispute. 

It appears that TransUnion may have automatically misclassified the nature of the dispute at the intake stage due to the use of automated processing systems. The original submission clearly challenged the legal and factual accuracy of an XXXX XXXX XXXX ( XXXX ) tradeline under FCRA XXXX. However, based on the nature of XXXX responses, specifically its placement of an Initial XXXX XXXX and addition of incorrect information to the account, it is evident that the dispute may have been misrouted or misread by an automated system that flagged it as a fraud-based claim. 

This kind of systemic intake error raises serious concerns about whether TransUnion is maintaining procedures to ensure the proper identification, classification, and investigation of disputes as required by the Fair Credit Reporting Act. The misclassification has obstructed a lawful and timely reinvestigation, and instead imposed identity theft procedures that are irrelevant, burdensome, and factually inapplicable. 

To be absolutely clear : - This is not identity theft - This is not fraud - This is a legally grounded, fact-based FCRA XXXX XXXX regarding an inaccurately reported tradeline. 

I am including the following supporting materials : - A copy of the signed XXXX XXXX- A copy of the CFPB XXXX XXXX issued against XXXX XXXX XXXX ( XX/XX/year> ), which confirms that XXXX are considered private education loans under federal law and that failure to properly classify and disclose them constitutes a violation of the Truth in Lending Act ( TILA ) and other consumer protections. 
- A copy of Key XXXX Clauses Reflecting CFPB Concerns Stride/Launch/Clasp have adopted similar practices in the following ways : - Reporting the XXXX as a conventional debt obligation - Failing to provide accurate disclosures under TILA - Falsely asserting XXXX repayment is past due in absence of income verification These actions have resulted in credit damage to me and violate the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). 
TransUnion has placed an Initial XXXX XXXX on my credit file without consent or justification, further compounding the harm. They have continued to erroneously add false information to my report, rather than conduct a substantive review under FCRA. 

XXXX failure to treat this as a standard FCRA dispute and instead funneling it through mischaracterized procedures obstructs my rights to a fair and timely investigation. These actions violate obligations under FCRA 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