Consumer complaint received 2025-03-31 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: CT

Complaint narrative:
Unauthorized Access to My Education Records in Violation of FERPA Dear Sir/Madam, I am writing to formally request of Total discharge of my student loans due a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) , 20 U.S.C. 1232g, that occurred in XX/XX/year>. It has come to my attention that the Department of Government Efficiency accessed my education records without my consent or authorization, in clear violation of FERPA and its associated regulations, specifically 34 C.F.R. 99.30 and 34 C.F.R. 99.31.

Under FERPA, as outlined in 20 U.S.C. 1232g ( a ) ( 1 ) ( A ), students have the right to control the disclosure of their education records. Furthermore, FERPA mandates that records may not be accessed without written consent from the student, except in specific circumstances outlined in the law. It is my understanding that no such consent was sought or obtained from me, nor did any circumstances exist under which the Department of Government Efficiency had a legitimate reason to access my records. 

The access to my records occurred in XX/XX/year>, and I have not been provided with any notice or request for permission to release such information. As outlined in 34 C.F.R. 99.30, I should have been notified of any disclosure of my records, but I have not received such communication. Additionally, the access appears to have occurred without meeting the legal requirements set forth in 34 C.F.R. 99.31 for disclosure without consent.

Three violations occurred ; 1. Unauthorized Disclosure of Identafiable Information.

2. Failure to Provide full access to my Educational Records Upon Request 3. Unlawful Misrepresentation and processing errors. 

Formal Demand of Discharge and Record Removal Due to these violations I demand immediate removal and Total Discharge of my Student loan All data bases including : - The National Student Loan Data Base ( NSLDS )- All credit reporting agencies ( XXXX, Transunion, XXXX )- All affiliated loan servicers, collection agencies, or third party entities.

Legal Grounds for Discharge 34 CFR 668.71-75 are regulations under the Code of Federal Regulations ( CFR ) that deal with mis-representation and non- compliance with federal student aid regulations warrant loan cancellation. Futhermore, under FERPA ( 34 CFR part 99 ) the mishandling of educational records, can lead to federal enforcement actions, including the loss of funding for institurions and agencies involved. 

Failure to act on this Demand of Removal of Student Loan Discharge will result in further legal action, including further complaints with Federal Student Aid Ombudsman Group, the Consumer Financial Protection Bureau.

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