Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX 

Attn : Credit Reporting Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CC : XXXX, XXXX, TransUnion Subject : Formal Dispute & Demand for Full Investigation Inaccurate Reporting of Student Loan Account Dear Sir or Madam, I am writing to dispute inaccurate and misleading information being reported on my student loan account serviced by XXXX on behalf of the XXXX Department of Education. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 





XXXX XXXX XXXX XXXX XXXX My current balance is reported as {$3900.00}, while the highest balance is listed as {$3500.00}. This is inaccurate, as a current balance can not exceed the highest balance. In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that credit furnishers must ensure accuracy and XXXX not rely on patently inconsistent data. 

Unknown Payment Statuses Several months are reported as Unknown. This is incomplete and misleading under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Courts have found that incomplete data can be just as misleading as incorrect data ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

Derogatory Status Contradiction The account reflects a derogatory status despite the fact that the current payment status is listed as XXXX. This contradiction misrepresents my creditworthiness. In XXXXXXXX XXXX  XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court recognized that information which is technically true but materially misleading violates the FCRA. 







Demand for Full Investigation Pursuant to XXXX XXXX. XXXX ( a ), I demand a full investigation of this account. You are required to verify all disputed information directly with original documentation from the Department of Education. Simply confirming internal system records is not sufficient XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 





Requested Corrective Action Correct the balance reporting so that the current balance does not exceed the highest balance. 
Remove all Unknown payment statuses and replace them with accurate data. 
Remove the derogatory designation since the account is being reported as XXXX. 




If you can not verify this information with documented evidence, you are required by law to delete the disputed entries from my credit file. 



Failure to comply will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under XXXX XXXX. XXXX and XXXX. 



I expect written confirmation of your investigation and corrective action within the required XXXX period. 



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 non-monetary relief