Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
As of today, this will be my 6 complaint on this subject : TransUnion has repeatedly failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : o 15 USC 1681e ( b ) : failure to maintain the accuracy of my credit report o 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations o 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information o 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report Subject : Formal Complaint Regarding TransUnion 's Failure to Update Student Loan Account Information Despite Providing Documentation from XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against the credit reporting agency TransUnion for their persistent failure to accurately update the status and balance of my student loan account ( s ), despite my repeated attempts to provide them with official documentation from my loan servicer, XXXX. This inaccurate reporting has been ongoing for over a year and is causing me significant concern and potential harm to my creditworthiness. 

Specifically, the inaccuracies include the reporting of my student loans incorrect loan balance, and status of the loans in Bankruptcy. ALL of my student loans have been forgiven under the Public Service Loan Forgiveness ( PSLF ) NOR of the loans has EVER been a part of a Bankruptcy. TransUnion also suppressed the report. 

Since XXXX of XXXX I have submitted official documentation from XXXX to TransUnion on multiple occasions, including, letter from XXXX date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX update, payment statement and copy of a letter dated XX/XX/XXXX from XXXX to Equifax to remove the inaccurate status. On XX/XX/XXXX, XXXX sent a letter to Trans Union and Experian, the same letter. These documents clearly demonstrate the correct status and balance of my student loan ( XXXX ). On XX/XX/XXXX, I contacted the Office of the Attorney General, XXXX XXXX, XXXX. 

Despite providing this authentic information directly from my loan servicer, XXXX, TransUnion has failed to make the necessary corrections to my credit report. This ongoing inaccuracy is frustrating and concerning because of their failure they have chosen to delete ALL of the student loans which could my score to drop XXXX points, it is causing me undue stress and anxiety, it XXXX prevent me from obtaining favorable interest rates on future loans. 

I have attempted to resolve this issue directly with TransUnion through their dispute process in XXXX certified letter, and I have filed several CFPB complaint. TransUnion called me on a recorded line : stated that XXXX has not responded to their request that is why they deleted all the loans. This is information inaccurate per the documents I have supplied. However, their responses have either been unsatisfactory, claiming the information is accurate despite the evidence provided, or they have failed to take any corrective action. 

I am including copies of the following documents as evidence to support my complaint :

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