Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX multiple inaccurate late payments across the following student loan accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These accounts all show a {$0.00} balance, they all show Transferred/Closed, and every single one is being reported with 120 days late, even though there is no payment history at all. XXXX and TransUnion both show Unavailable for every month, for the entire history, with no chronological reporting, no delinquency sequence, no monthly status codes, nothing. You can not legally report a late payment when you have not reported ANY prior payment activity. This violates FCRA 623 ( a ) ( 1 ) and the XXXX Credit Reporting Resource Guide , which requires complete and accurate monthly reporting before marking an account delinquent. 
These accounts also falsely state Account Not Disputed, even though I HAVE disputed all of them multiple times. This is a direct violation of FCRA 623 ( a ) ( 3 ) because furnishers are required to mark an account as disputed during investigations. XXXX XXXX XXXX do so across all accounts. 
The payment status shows 120 Days Late but the date of last payment, date of last activity, date closed, and date transferred are all inconsistent, incorrect, or impossible. These accounts show no billing cycles, no reported payments, no delinquency progression ( XX/XX/year> days ), and no supporting information to show how they arrived at 120 days late. Reporting a 120-day late with no supporting monthly data is illegal under the FCRA and XXXX. 
I requested verification of the late payments, including : the full payment history, all billing statements, delinquency records showing when the account allegedly became XXXX, XXXX, XXXX, and 120 days late, communication logs, servicing notes, and any federally required disclosures for transferred federal student loans. 
XXXX provided nothing, which means the alleged late payments are unverified and must be deleted under FCRA 611 . 
There are also major accuracy issues with the bureaus : Equifax and TransUnion are both reporting Unavailable monthly data for multiple years, then suddenly inserting a 120 Days Late code on an account with a {$0.00} balance that was transferred. This same inaccurate pattern is the subject of previous lawsuits against XXXX, TransUnion, and XXXX regarding improper student loan reporting, incorrect delinquency codes, and reporting fabricated late payments after federal loan transfers. This pattern is well documented and shows negligence. 
Because none of these late payments are factual, chronological, or verifiable, I am demanding the immediate deletion of all XXXX XXXX XXXX on all accounts listed. If this is not corrected, I will escalate this to the Department of Education Ombudsman and pursue legal action for FCRA violations.

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