Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
Dear Federal Student Aid, XXXX XXXX & US Department of Education-DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX contacted US DOE [ Department of Education ] in XX/XX/XXXX and was assured all educational loans were in forbearance, active steps were being implemented in retraction of late payment reporting, from all 3 credit bureaus, and MY Educational Loan accounts were being made current [ that included, if necessary, retroactive forbearance and payment pause during times of false incarceration in a county jail ]. I later discovered, DOE, under Biden-Harris administration had placed MY Educational Loans in a forbearance status on XX/XX/XXXX, XXXX ( please see pages XXXX, XXXX  XXXX  ), of which, XXXX, the servicer, refuses to acknowledge. In fact, a number of Income Driven Repayment Plans, IDR, were placed in an administrative forbearance XXXX, XXXX of XXXX pending an injunction. 

XXXX is fraudulently and recklessly reporting late payment to all 3 credit bureaus, and defiantly refuses to correct that grossly inaccurate information. Most egregious, I am legally indigent and legally disabled ( deemed so by Social Security Administration, SSA, as of XX/XX/XXXX, XXXX ), and should have received an automatic XXXX  discharge. I have no reportable taxable income, nor any earned income, since receiving SSDI payments in XXXX of XXXX ( XXXX XXXX XXXX ). 

I should have been automatically identified by SSA and DOE data matching process for XXXX  discharge over 4 years ago. The fact that late payments are being reported, when I should have been GRANTED AUTOMATIC XXXX  DISCHARGE, is a direct result of the systemic failure OF THEM FAILING TO PROCESS THAT AUTOMATIC DISCHARGE WITHIN THE LAST 4-YEARS, AND, FAILING TO TIMELY PROCESS THE PENDING MANUAL XXXX  DISCHARGE APPLICATION THAT HAS BEEN IN REVIEW FOR OVER 180 DAYS [ USPS MAILED ON XXXX, AND DELIVERED ON XXXXMONDAY ]. 

In addition, extremely extenuating circumstances, like being falsely imprisoned in XXXX XXXX jail under color of law during the dates of XX/XX/XXXX, XXXXWednesday through XX/XX/XXXX, XXXX-Wednesday, prevented annual recertification of IDR plan in XXXX of XXXX. Nonetheless, all education loans were placed in forbearance on XX/XX/XXXX, XXXXTuesday under Biden-Harris administration , and XXXX defiantly refuses to acknowledge these facts, nor retract the grossly inaccurate delinquent reporting.

AIDVANTAGE IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, 1681 & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF 2010 ( CFPA ). AS AIDVANTAGE, a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, DECEPTIVE, ABUSIVE ACTS & PRACTICES [ UDAAPs ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING XXXX ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, & XXXX ) NO LATER THAN XX/XX/XXXX, XXXXSUNDAY OR LEGAL LAWSUIT WILL COMMENCED IN FEDERAL COURT. I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.

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