Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For the last XXXX weeks, I've had to make multiple calls to XXXX in order to help me figure out my issue. They directed me to call the Department of Education... transunion... XXXX and everyone else in order to help. And I've now found out the problem is with XXXX. My XXXX student loans have been in forbearance ( and still are in " admin forbearance '' status as of now ).. but somehow i am 90 days late on the payments. I was only able to find this out from my XXXX XXXX app. On XX/XX/XXXX, at XXXX at night i was told my XXXX XXXX changed. I open the app to check it and it went down XXXX points!!! My XXXX XXXX was at XXXX and it had gone down to XXXX. I looked into why and it said my student loans were 90 days delinquent. On my XXXX XXXX, it shows a little green check for XX/XX/XXXX -- which means i was still in good standing at that time. I did my research and there are XXXX XXXX other people ( 43 % of borrowers did not resume making payments on their student loans ) out there having this SAME exact issue. I think this is absolutely absurd to drop XXXX XXXX people 's credit scores because of the forbearance running out without notifying them of this. This type of setback could have ripple effects throughout the whole economy who were looking into homeownership, a new car, etc. I have absolutely ZERO communication telling me this was going to happen. As soon as i found out, i made a payment on XXXX ( the company that bought out my loans from nelnet ) and i will be making the payments from here on out. But this has destroyed my XXXX XXXX and my chance at buying a home this year. 
To sum this up, my student loan services failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that now have significantly impacted my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan services are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. I am requesting that this delinquency be removed from my credit report immediately, as it was reported without proper notification and does not accurately reflect my ability or willingness to pay. 
Please investigate this matter and correct the inaccurate information as soon as possible. Under the FCRA, XXXX is required to complete the investigation within 30 days of receiving this dispute. I request a written confirmation of the results of your investigation and updated copy of my credit report once the incorrect information has been removed. 
Thank you for your prompt attention to this matter. 
Please feel free to contact me at XXXX or XXXX if you require any further information. 

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