Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in my capacity as a legal credit advocate acting on behalf of the above named consumer. This letter serves as a formal notice of dispute, demand for immediate deletion, and notice of intent to pursue legal action for continued reporting of inaccurate, unverifiable, and unlawfully accessed student loan data currently appearing on this consumer credit file. 

The account at issue is reported as Department of Education XXXX, opened XX/XX/XXXX, with a reported balance of approximately XXXX and a highest balance reported as approximately XXXX. This account is reported as open and reflects repeated late payment notations including XXXX, XXXX, XXXX, and 180 day delinquencies reported throughout XXXX. The reporting is materially inaccurate, internally inconsistent, and legally defective. 

The payment history reflects contradictory information, including conflicting on time payment percentages, retroactive delinquency coding, and reporting that does not align with federal student loan servicing standards, deferment or forbearance rules, or lawful repayment status requirements. The tradeline reflects reporting updates without evidence of a lawful investigation, without signed consumer authorization, and without verified source documentation. 

Pursuant to 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. The continued reporting of this tradeline fails that standard. Pursuant to 15 USC 1681i, upon receipt of a dispute, the bureau must conduct a reasonable reinvestigation and delete or correct any information that can not be verified. No competent verification has been provided.

Further, pursuant to 15 USC 1681s 2 ( b ), the furnisher XXXX is prohibited from continuing to report information it knows or should know is inaccurate after receiving notice of dispute. Continued reporting of disputed delinquency data without validated documentation constitutes willful noncompliance. 

Additionally, the reporting and dissemination of this account raises serious violations of the Family Educational Rights and Privacy Act under 20 USC 1232g and 34 CFR Part 99. Educational records are protected records. The consumer has not provided express written authorization permitting unrestricted access, disclosure, or furnishing of protected educational data to consumer reporting agencies or automated third party data systems. Any access, use, or dissemination of such records without lawful authorization constitutes an unlawful disclosure.

The continued publication of this inaccurate and unlawfully accessed information has caused substantial harm, including credit score damage, denial of housing and financial opportunities, and measurable financial loss. These damages are compensable under 15 USC 1681n and 15 USC 1681o for willful and negligent noncompliance.

Accordingly, I hereby demand immediate deletion of the Department of Education XXXX tradeline from the consumer credit file due to inaccurate reporting and inability to verify under federal law. I further demand immediate cessation of all reporting related to this account and written confirmation of deletion. 

If deletion is not completed immediately, I will pursue monetary damages, statutory damages, attorney fees, and costs against the consumer reporting agencies and XXXX without further notice. This letter constitutes final notice and opportunity to cure prior to litigation. 

Failure to comply will be interpreted as willful noncompliance. 

Sincerely, XXXX XXXX Authorized by Consumer

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