Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am filing this complaint regarding the improper re-reporting and illegal re-aging of a decades-old federal student loan, which is being reported as a newly opened collection account in XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account at issue is a XXXX XXXX that originated in the late XXXX, with a date of first delinquency in XXXX. Under federal law, negative credit information may only be reported for XXXX ( XXXX ) years plus XXXX days from the original date of first delinquency, regardless of whether the debt remains legally enforceable. 

Despite this, in XX/XX/XXXX, the account suddenly appeared on my TransUnion credit report with the following inaccurate information : Date Opened : XX/XX/XXXX Status : In Collection Estimated Removal Date : XX/XX/XXXX This reporting falsely represents a decades-old loan as a recent or newly defaulted account. There has been no new borrowing, no new delinquency, no recent activity, and no payment history associated with this account in many years. 

I disputed this inaccurate reporting with TransUnion. The bureau responded that the account was verified as accurate, but merely updated fields such as Date Updated and Rating, while retaining the false XXXX opening date and the extended removal date. Verification of furnished data does not cure illegal re-aging or obsolete reporting. 

Because the original delinquency occurred in XXXX, this account can not lawfully be reported today under any status. Continued reporting is materially misleading and creates the false impression of current credit risk. 


This conduct violates the Fair Credit Reporting Act in multiple ways : Illegal re-aging : Resetting the reporting period by assigning a XXXX Date Opened to a loan that became delinquent in XXXX, in violation of XXXX U.S.C. XXXX ( a ) ( XXXX ). 

Obsolete reporting : XXXX negative information far beyond the permissible reporting period under XXXX XXXX. XXXX ( a ). 

Misleading credit reporting : Creating the false appearance of recent delinquency and current credit risk, in violation of the requirement that consumer reports be complete, accurate, and not misleading under XXXX XXXX. XXXX ( b ). 

Unreasonable investigation : A reasonable investigation would have identified that a XXXX XXXX from the XXXX can not legitimately be reported as newly opened in XXXX. 

Harm Caused This inaccurate reporting has caused significant and ongoing harm, including : Damage to my credit profile by falsely indicating a recent collection Interference with a VA XXXX loan application Time, stress, and financial impact attempting to correct an error entirely outside my control This harm is disproportionate and unjustified, particularly given that the reporting issue arises from administrative re-reporting rather than borrower behavior.

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