Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
While reviewing my credit report, I noticed a collection account from US Dept of Education ending in XXXX with a reported balance of {$6700.00}, and it immediately raised concerns because the accounts details do not match my records or my documented repayment history. I have always made efforts to maintain my federal student loan accounts responsibly, including participating in repayment plans, requesting deferments during financial hardship, and monitoring my statements for accuracy. Despite these efforts, this account is reported as if I neglected my obligations entirely. This misrepresentation paints an unfair and inaccurate picture of my financial behavior. Under FCRA 602 ( A ), credit reports must be fair, accurate, and complete, and under FCRA 607 ( B ), furnishers are required to report information with maximum possible accuracy. Given the discrepancies in payment history and account status, I am formally requesting a complete reinvestigation of this collection account, and correction or removal of any information that can not be verified. 
In addition, I discovered that another collection account, XXXXXXXX XXXX XXXXXXXX, with the original creditor listed as XXXX XXXX XXXX XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a balance of {$10000.00}, is not reported in Experian, even though it is part of my legitimate credit history. The absence of this account creates an incomplete and inconsistent credit profile, as it does not reflect all financial obligations tied to my name. This account represents a series of financial interactions and communications that occurred over a period of time, including disputed charges, attempted resolutions, and account adjustments that should be visible on my report. The omission of this information violates FCRA 607 ( B ), which requires that all furnished information be reported accurately and completely, and FCRA 611 ( a ) ( 1 ) ( A ), which ensures consumers have the right to dispute incomplete reporting. I am requesting that you verify the existence and accuracy of this collection account, and update my report to reflect the correct balance and creditor information, or remove the account if it can not be fully substantiated.

The combination of these two issues, an inaccurately reported balance for US Dept of Education and a missing collection account from XXXX & XXXX, creates an incomplete and potentially misleading depiction of my financial behavior. Such inaccuracies negatively impact my creditworthiness, affecting my ability to secure loans, mortgages, and other credit opportunities. Under FCRA 611 ( a ) ( 1 ) ( A ), I am exercising my right to dispute these accounts, request a full reinvestigation, and receive written confirmation of the results.

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