Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn To Whom It May Concern:\n I am disputing the XXXX XXXX XXXX-day late reported on my accounts for DEPT OF \nEDUCATIONXXXX XXXX XXXX This entry is false, misleading, and \nunlawful.\n Timeline of Facts and Evidence:\n 1. On XXXX XXXX XXXX XXXX sent me a prefilled Income-Driven Repayment (IDR) \napplication confirming I was being placed in the program (Exhibit B-1).\n 2. My account was in approved Natural Disaster Forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n 4. In earlXXXX XXXX XXXX  Nelnet agents told me I was 83 days late. I explained that I believed \nI was in IDR. A supervisor confirmed this error but refused to correct it. Neither agent \nadvised me of the proper steps or placed me in forbearance.XXXX XXXX XXXX XXXX XXXX, another supervisor admitted the July agents should have placed me in \nforbearance and resent my IDR packet. Their failure caused the false delinquency to be \nfurnished (Exhibit B-5).\n 6. Despite this, Nelnet reported a 90-day late in July 2025, dropping my credit score \n176 points. Immediately after, on XXXX XXXX XXXX XXXX  approved a general \nforbearance through XXXX XXXX XXXX XXXXn 1\nWhy This Reporting Violates the Law:- FCRA 607(b): Bureaus must assure maximum possible accuracy. Reporting this late \nafter months of ND and overlapping forbearances is inaccurate.- FCRA 623(a)(1)(A): Furnishers cannot report data they know or should know is \ninaccurate. By July and August, Nelnet had actual knowledge of the mishandling.- FCRA 623(b): Furnishers must reasonably investigate disputes. Nelnets own \nsupervisors admitted error.- CFPB Servicing Rules (12 C.F.R. 1024.38 & 1024.39): Servicers must maintain \npolicies to prevent errors and provide accurate information. Nelnet failed.- DOE Servicer Standards: Department of Education required servicers to prevent harm \nduring repayment restart and IDR processing. Nelnet violated these standards.\n Requested Relief:\n 1. Delete the July 2025 90-day late.\n 2. Update the tradeline to reflect Current / Never Late.\n 3. Provide the method of verification under FCRA 611(a)(6)(B)(iii).\n If this is not corrected 616617.\n Exhibits Enclosed:- Exhibit A: Identity & Address (Drivers License, Proof of Address)- Exhibit B-1: Prefilled IDR Application (Jan 2025)- Exhibit B-2: Paid in Full Letter (Jan 2023)- Exhibit B-3: Natural Disaster Forbearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exhibit C-1: Credit Report showing ND months and July 90-day late- Exhibit D: Certified Mail Receipts\n Sincerely,XXXX XXXX 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