Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Formal Complaint Regarding Credit Reporting Error and Request for Immediate Correction To Whom It May Concern, I am writing to file a formal complaint regarding a significant error in my credit report and to request immediate correction of the matter. My name is XXXX XXXX, and I have been a responsible borrower with an extensive credit history spanning over 24 years. 

The issue at hand pertains to the erroneous removal of my student loans from XXXX by TransUnion, which has resulted in adverse effects on my credit score and overall financial well-being. Despite my student loans being in good standing and paid as agreed, Trans Union has inaccurately omitted them from my credit report, thus significantly impacting the average age of my credit accounts and the length of my credit history. 

As per Section 609 of the Fair Credit Reporting Act, I am entitled to accurate and up-to-date information on my credit report. It is imperative that my credit report reflects the true status of my accounts, including my student loans with XXXX, which have been faithfully serviced and maintained over the years. 

Furthermore, the removal of these accounts has led XXXX to incorrectly calculate the length of my credit history, stating that I have only had 4 years and 8 months of credit history. This is grossly inaccurate, as I have been an active and responsible borrower for nearly 25 years. 

I hereby request the following actions to be taken immediately : 1. The reinstatement of my student loans from XXXX onto my credit report, reflecting their true status as paid as agreed and in good standing. 
2. Correction of the inaccurate calculation of the length of my credit history to accurately reflect my extensive credit tenure of nearly 25 years.

3. An investigation into the oversight that led to the erroneous removal of my student loans and the implementation of measures to prevent such errors from occurring in the future. 

Additionally, I urge Trans Union to consider the potential negative impact of this error on my credit score and overall financial standing. The inaccurate reporting of my credit history could result in unjust consequences, including higher interest rates, limited access to credit, and other adverse effects. 

I have attached relevant documentation, including statements from XXXX confirming the status of my student loans, to support my claim. I kindly request that Trans Union and the Consumer Financial Protection Bureau expedite the resolution of this matter and provide me with updates on the progress of the investigation. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX 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 explanation