Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Complaint Against TransUnion for Failure to Investigate and Accurately Report XXXX Account Violations of the FCRA and Metro 2 Guidelines Dear CFPB Complaint Review XXXX, I am filing this complaint against TransUnion, LLC for their failure to conduct a meaningful and legally compliant investigation into inaccurate credit reporting regarding my XXXX student loan account. Despite repeated contact and documentation, TransUnion has failed to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) and industry-standard Metro 2 compliance procedures. 

Background : Over the course of several months, I have submitted multiple disputes and inquiries to TransUnion concerning the accuracy and reporting status of my XXXX account. Despite receiving two vague, non-committal emails from TransUnion stating they are looking into it, there has been no evidence of a proper reinvestigation or corrective action, in direct violation of federal law. 
In addition to contacting TransUnion directly, I have filed formal written complaints and submitted evidence to : The United States Senate and Congressional Representatives The Attorney Generals Office The Consumer Protection Division The U.S. Department of Education, including the Office of General Counsel Federal XXXX Aid ( FSA ) Complaint Center XXXX and TransUnion ( via email and certified mail ) Furthermore, I submitted an application for the Loan Discharge Request ( LDR ) in XX/XX/year>, which has remained in " review '' status without any decision, updates, or correspondence from XXXX. Despite this pending application, my student loans were allowed to default, severely damaging my credit and causing financial and emotional distress. I received no contact by phone, email, or postal mail notifying me of the default status. 
To date, I have submitted a total of three LDR applications and one formal Discharge application seeking relief. None of these have been responded to or processed properly. Meanwhile, TransUnion continues to report inaccurate and incomplete information about this account without verifying its accuracy or properly documenting the ongoing disputes and discharge requests. 

Legal Violations : XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( 15 U.S.C. 1681i ) requires CRAs to conduct a reasonable reinvestigation when a consumer disputes information. TransUnion has failed to comply by providing no detailed response or outcome while continuing to report disputed data. 
2. Failure to Maintain Procedural Accuracy FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) TransUnion is required to maintain procedures to ensure maximum possible accuracy of consumer data. Reporting a defaulted XXXX account despite a pending discharge/LDR application demonstrates procedural failure and negligence. 
3. Metro 2 Compliance Violations Under Metro 2 reporting standards, furnishers and CRAs must correctly reflect dispute codes, deferment/forbearance status, and discharge claims. TransUnion has failed to apply the appropriate codes or suppress reporting while the dispute is ongoing. 
4. Negligent and Willful Noncompliance FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) TransUnion has demonstrated both negligence and willful disregard for the law by continuing to report inaccurate information and failing to correct or investigate the errors, despite ample notice Requested Resolution : Immediate reinvestigation of the XXXX account, with full validation of data and detailed documentation of the source. 

Immediate correction or removal of any XXXX tradeline inaccurately reported in violation of the FCRA and Metro 2 guidelines. 

Cease reporting any default status or negative information while Loan Discharge and LDR applications remain pending. 

An official written response from TransUnion outlining their investigation and confirming full compliance with legal obligations. 

Referral or enforcement action by the CFPB for TransUnions consistent failure to follow the FCRA and industry standards. 

TransUnion 's ongoing disregard for procedural accuracy and consumer rights not only violates federal law but causes serious, real-world harm. I am requesting the CFPB hold them fully accountable for their lack of action and require proper investigation and correction. 
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