Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE. ASCENT FUNDING KEEPS FRAUDULENTLY MARKING THIS AS DUPLICATE. 



I am the XXXX XXXX XXXX XXXX and/or misrepresentation involving a fraudulent private student loan allegedly issued by Ascent Funding XXXX XXXX XXXX Bank for {$21000.00} disbursed to XXXX on XX/XX/XXXX I never authorized or consented to this loan. I have filed multiple disputes with TransUnion, providing supporting documentation including : XXXX FTC Identity Theft Reports FTC Report 2 FTC Report My written dispute letters to Ascent ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BPPE Report DFPI report Docusign Account Activity Evidence Copies of Ascents CFPB responses and recycled loan documents XXXX CFPB Complaint ID XXXX. 

Despite this, TransUnion has continued to report the account as verified and accurate. 

I spoke to a representative on the Phone, XXXX XXXX ( Ref # XXXX ) and she explained today that they have not investigated the fraud claim, and they have been auto verifying it when i dispute it with them. They said they automatically verify it as accurate with the lender, and they are not required to see if the documents are valid or fraudulent, even upon request. They already responded to a CFPB complaint on the XXXX of XXXX saying they couldn't remove the account because they could not find it on my report. That is a lie, it has been reported on my account continuously even after they said it was removed. As of today, they still haven't verified any of the documents are legitimate, and have not responded to any of my escalations with evidence that this account is not mine. This means TransUnion is not conducting a lawful investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, they are accepting Ascents word at face value and refusing to review the evidence I submitted. 

The representative also said that my FTC report documents were not valid because they were signed and dated, but there is no signature area. I have added a signature and date so they can not try to deflect and continue to refuse to take action. 

Violations : - FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires TransUnion to conduct a reasonable reinvestigation when a consumer disputes an account. Automatically marking an account verified without reviewing my evidence is not reasonable. 
- FCRA Section 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of information. Continuing to report an account that has not been validated and is supported only by unverifiable documents violates this standard. 
- XXXX XXXX : My credit has been negatively impacted by late payment notations and ongoing reporting of this fraudulent account, despite multiple disputes and proof of fraud.

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