Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding multiple inaccurate and unlawful credit reporting entries made by XXXX  ( mortgage & credit card accounts ), DEPTED/NELNET, and XXXX. XXXX ( medical collection ). These items are currently reflected on my credit reports and violate federal consumer protection laws. I respectfully request that the CFPB investigate and assist in resolving these matters. 

XXXX. XXXX ( Mortgage & Credit Card Accounts ) and DEPTED/NELNET Unverified Late Payments XXXX  and DEPTED/NELNET have reported late payments to the credit bureaus without proper verification or due process. Under 15 U.S.C. 1666b of the Truth in Lending Act, creditors may not report adverse information such as late payments without first allowing the consumer the opportunity to review or dispute the charge, and without verifying the accuracy of the information. 

I have not received any documentation validating these reported late payments, nor were they disclosed to me during any billing cycles. I request a full reinvestigation and deletion of all late payment notations made by these institutions on my credit reports with XXXX XXXX, and TransUnion.

2. DEPTED/NELNET FERPA Violation & Student Loan Data Sharing I dispute the continued reporting of my federal student loan accounts by DEPTED/NELNET. As a federal loan servicer, they are bound by the Family Educational Rights and Privacy Act ( FERPA ), which limits disclosure of personally identifiable education-related records without the students written consent. Reporting these student loan records to credit bureaus without my authorization constitutes a FERPA violation.

I therefore request complete deletion of all student loan entries reported by DEPTED/NELNET from all three major credit bureaus.

3. Medical Collection with XXXX. XXXX XXXX and Improperly Reported XXXX XXXX {$670.00} medical collection is appearing on my credit report for a dental visit for my minor son. This collection is invalid : At the time of service, I had active insurance coverage and paid my co-pay. 

Over a year later, the provider informed me of a balance, explaining that the insurance denied the claim for timely filing after they failed to follow up with the subscriber. 

This is a clear case of provider billing negligence, not consumer nonpayment. 

Recent CFPB guidance ( XX/XX/year> ) does not allow medical debts under {$500.00} to be reported ; while this balance is higher, the debt itself remains invalid and unverified. 

I request immediate deletion of this medical collection from all credit bureaus, and a reinvestigation requiring XXXX. System to provide full documentation of its legitimacy. 

Requested Actions I respectfully request the XXXX assistance in requiring the following corrective actions : Immediate removal of all unverified late payments reported by XXXX and DEPTED/XXXX. 

Complete deletion of all student loan entries reported by DEPTED/XXXX  due to FERPA violations.

Immediate deletion of the {$670.00} XXXX XXXXXXXX medical collection due to provider billing error. 

Removal of the comments Consumer disputes after resolution from all Dept of Education accounts once disputes are complete, as they are misleading and punitive. 

If these actions are not taken, I intend to escalate this matter with additional complaints to the FTC, the U.S. Department of Education, and the Office for Civil Rights regarding data handling violations. 

Please confirm receipt of this complaint and notify me of the outcome within the timeframe prescribed under the Fair Credit Reporting Act ( FCRA ).

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 explanation