Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ Insert Date ] To Whom It May Concern, This is a formal dispute of fraudulent and materially inaccurate student loan tradelines appearing on my consumer report. I am a verified victim of identity theft, supported by FTC Identity Theft Report # XXXX. See attached report : Under 15 U.S.C. 1681c-2, you are required to block all information resulting from identity theft within 4 business days of receipt. Your continued reporting of these accounts constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o. The following tradelines are being reported as separate obligations when in fact they represent improperly duplicated, fragmented, and inconsistent reporting of the same underlying student loan obligation : US DEPARTMENT OF EDUCATION XX/XX/XXXX {$1900.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$2100.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$3300.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$3300.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$3800.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$5000.00} US DEPARTMENT OF EDUCATION XXXX {$6900.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$7100.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$7200.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$1200.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$1600.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$1600.00} US DEPARTMENT OF EDUCATION XX/XX/XXXX {$1900.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} DEPT OF ED / XXXX XX/XX/XXXX {$0.00} A total of 42 tradelines across my consumer reports reflect this same pattern of duplication and inaccuracy. These tradelines violate federal law for the following reasons. Multiple accounts share identical open dates of XX/XX/XXXX, which is not possible for separate loan originations and proves improper duplication. The same alleged loan obligation is being reported with conflicting balances ranging from {$1200.00} to {$7200.00}, which is materially misleading and inaccurate. Certain tradelines report a balance of {$0.00} while others report active balances for what is clearly the same debt grouping, creating direct contradictions in reporting. The same obligation is being reported under multiple furnishers, including US Department of Education and XXXX, resulting in artificial inflation of liability and duplicate reporting. This conduct violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ) and the duties of furnishers under 1681s-2. Because these accounts are the result of identity theft, they are not subject to reinvestigation through automated systems such as E-OSCAR. They must be immediately blocked and removed under 1681c-2. I demand the immediate deletion of all 42 tradelines associated with these fraudulent accounts, the permanent blocking of any reinsertion under 1681i ( a ) ( 5 ) ( B ), the cessation of all reporting under any variation of these accounts or furnishers, and a full disclosure of your method of verification if you claim these accounts are accurate. Failure to comply within 4 days of receipt will result in legal action, including claims for willful noncompliance under 15 U.S.C. 1681n, statutory and punitive damages, and complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and the State Attorney General. I am prepared to pursue litigation for defamation, financial harm, and negligent reporting. This is your final opportunity to resolve this matter without escalation. 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