Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern at XXXX XXXX : Your response to my CFPB complaint is not only inadequate but demonstrates negligence in addressing the inaccuracies in your credit reporting. Instead of taking accountability for your errors, you have placed an unjust burden on me to disprove your claims. 
Under 15 U.S.C. 1681s-2 ( a ) ** of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of the information furnished to credit reporting agencies. False or misleading reporting violates federal law. The delinquencies you reportedXXXXXXXX XXXX on XX/XX/year> and XXXXXXXX XXXX on XXXX entirely false. This account was **paid in full and closed, and there was no delinquency on my part. Your obligations under XXXX*12 C.F.R. 1024.36 ( Regulation X ) ** and **20 U.S.C . 1070 et seq. ( Higher Education Act ) require you to maintain and provide accurate records for all federally backed loans. To verify the legitimacy of your actions, I demand the following : 1. A complete transaction history of my account, including payments, credits, adjustments, and applied interest. 
2. Documentation proving the alleged delinquencies, including all reports submitted to credit bureaus and any notices sent to me regarding these claims. 
3. Confirmation that the account was paid in full and closed, along with the date and details of this final transaction. 
4. Verification of your compliance with the Higher Education Act and all relevant federal regulations.

Additionally, under 31 U.S.C. 3729 et seq. ( False Claims Act ), any misrepresentation of federally backed loan records may constitute fraud. Your failure to accurately reflect my account status violates this standard and exposes you to further liability. 
Your demand that I submit proof of payment and other documentation is unreasonable and further demonstrates your negligence. If your records are incomplete or inaccurate, that is a failure on your partnot mine. 
I expect the following actions within 15 days of this notice : 1. A full investigation and correction of your reporting practices for my account. 
2. **Immediate removal of all inaccurate delinquencies from my credit report. ** 3. Formal written acknowledgment of your errors. 
4. Notification to all credit bureaus of the corrected account status, including confirmation that the account was paid in full and closed. 
5. Copies of all records relating to my account and these erroneous delinquencies. 
Failure to comply will leave me no choice but to escalate this matter. This includes filing additional complaints with the U.S. Department of Education and the CFPB, as well as seeking legal remedies for violations of federal law. 
This is your final notice. You have 15 days to comply. 

Sincerely, XXXX XXXX Social Security 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