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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


Inaccuracies Identified 1 Balance Reporting Conflict My current balance is reported as {$4000.00} while the highest balance is listed as {$3000.00}. This is inaccurate, as a current balance can not exceed the highest balance. In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit furnishers must ensure accuracy and may not rely on patently inconsistent data.

2 3 Unknown Payment Statuses Several months are reported as Unknown. This is incomplete and misleading under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Courts have found that incomplete data can be just as misleading as incorrect data ( Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) ).

4 5 Derogatory Status Contradiction The account reflects a derogatory status despite the fact that the current payment status is listed as Current. This contradiction misrepresents my creditworthiness. In Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ), the court recognized that information which is technically true but materially misleading violates the FCRA.

6 Demand for Full Investigation Pursuant to 15 U.S.C. 1681i ( 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 ( Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ).

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 Current.

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 15 U.S.C. 1681n and 1681o.

I expect written confirmation of your investigation and corrective action within the required 30-day 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