Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB COMPLAINT NARRATIVE Billing Dispute, Failure to Substantiate Balance, and Inaccurate Credit Reporting Product : XXXX XXXX XXXX XXXX Ending ( last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Incorrect information on credit report Company : DEPT of EDUCATIONXXXX XXXX XXXX Description I am submitting this complaint regarding the inaccurate billing, servicing, and credit reporting of the above-referenced account by the named company. 
On [ XXXX XX/XX/XXXX ], I sent the company a formal written dispute and billing error notice challenging the accuracy, construction, and reporting of the alleged balance. That notice requested lawful substantiation of the account, including proof of billing accuracy, disclosure, and authority to report the balance as accurate. 
To date, the company has failed to provide competent verification of the alleged balance and continues to assert and/or report the account without demonstrating lawful billing, transparent accounting, or proper disclosure. 
XXXX  Specific Concerns XXXX. Failure to Substantiate the Alleged Balance The company has not produced documentation sufficient to establish billing accuracy, including : A complete accounting showing how the balance was calculated Identification of the specific charges, interest, fees, or adjustments comprising the balance Evidence supporting interest calculations, capitalization events, or rate changes Proof of lawful billing statement issuance and delivery Generic account summaries, internal data screens, or payment histories do not constitute meaningful substantiation of billing accuracy. 
XXXX. Improper Billing Assumptions and Disclosure Deficiencies The company is asserting billing accuracy and consumer liability without demonstrating compliance with applicable federal disclosure and billing requirements, including those governed by the Truth in Lending Act ( 15 U.S.C. Chapter 41 ), where applicable, or without identifying any lawful exemption relied upon. 
Absent proof of proper disclosure and billing transparency, the balance can not be presumed accurate. 
XXXX. Inaccurate and Misleading Credit Reporting Despite the unresolved dispute and lack of substantiation, the company continues to report the account as accurate ( or has failed to clearly mark the account as disputed ). 
Reporting an unverified balance creates a materially misleading representation of the accounts status and undermines the integrity of consumer credit reporting. 
XXXX. Servicing and Account Management Errors The balance appears to reflect potential servicing or billing errors, which XXXX include : Improper interest calculations or capitalization Retroactive balance adjustments Misapplication of payments Reporting during an unresolved dispute The company has not adequately addressed or corrected these issues. 
XXXX  Harm Caused My consumer credit reports contain information that has not been lawfully substantiated I have suffered ongoing credit harm based on unverified data My right to a meaningful dispute and accurate reporting has been compromised XXXX Resolution Requested I am requesting that the CFPB require the company to : XXXX. Provide full documentary substantiation of the alleged balance, including a complete accounting and billing disclosure evidence ; or XXXX. Delete the account and cease adverse credit reporting if the balance can not be substantiated ; and XXXX. Ensure that any continued reporting clearly and accurately reflects the account as disputed until the matter is resolved. 
XXXX Supporting Documentation I have attached : My written dispute and billing error notice Credit report excerpts showing the disputed reporting

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