Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for knowingly, willfully, and recklessly misreporting my Department of Education XXXX XXXX student loan accounts. TransUnion is furnishing information that is contradictory, inaccurate, misleading, unlawfully re-aged, and materially harmful to my credit profile. 

Factual Background The accounts in question are federal student loan tradelines serviced by XXXX on behalf of the U.S. Department of Education.

TransUnion is reporting these accounts as installment loans with a history of 30, 60, and 90+ day late payments.

These late payments are appearing across multiple months and years, making it appear as though I am in chronic delinquency. 
TransUnions risk factor language explicitly penalizes me for : Too many installment accounts with a delinquent or derogatory payment status.

TransUnion has re-aged these accounts by updating them as if derogatory activity continued into XXXX, despite the fact that the Date of First Delinquency ( DOFD ) occurred years earlier. 
TransUnion also lists conflicting last payment dates compared to other bureaus, creating internal inconsistency and undermining credibility. 

Contradictions in Reporting 1. Charge-Off vs. Past Due TU reflects these loans as both charged off/derogatory and actively past due. A loan can not simultaneously be closed/charged off and still be treated as an ongoing delinquent account. 
XXXX. Illegal Re-aging into XXXX TU reports the loans as if they are still past due in XXXX, when the DOFD dates back years earlier. This is classic unlawful re-aging designed to extend derogatory impact. 
XXXX. Conflicting Payment Dates TU reports a different last payment history than Equifax and Experian. For example, TU lists a last payment in XXXX, while Equifax shows XXXX. These inconsistencies prove that TransUnion is failing to ensure accuracy. 
Legal Violations by TransUnion Fair Credit Reporting Act ( FCRA ) 607 ( b ) 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

611 ( a ) 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation after disputes.

623 ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) : Unlawful re-aging of delinquent accounts by reporting them as updated in XXXX. 
605 ( a ) 15 U.S.C. 1681c ( a ) : Negative information may not be reported beyond seven years. TU is artificially extending the life of these late payments.

616 & 617 15 U.S.C. 1681n & 1681o : TU is liable for willful and negligent noncompliance, subjecting them to statutory damages, actual damages, punitive damages, and attorneys fees. 

Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) 15 U.S.C. 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of a debt.

807 ( 10 ) 15 U.S.C. 1692e ( 10 ) : Use of deceptive means to collect or furnish information about a debt. 



Case Law Precedents Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. XXXX ) : CRAs can not blindly parrot furnishers and must ensure accuracy. 
Dalton v. Capital Associated Indus., 257 F.3d 409 ( 4th Cir. XXXX ) : Even technically correct reporting is unlawful if misleading.

Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. XXXX ) : Failure to correct misleading information after a dispute creates liability. 
Cortez v. TransUnion, 617 F.3d 688 ( 3d Cir. XXXX ) : Misleading reporting that harms a consumers ability to obtain credit violates FCRA.

Swoager v. Credit Bureau, 608 F. Supp. 972 ( M.D. Fla. XXXX ) : Inaccurate reporting that damages consumer reputation violates FCRA. 



Regulatory Enforcement Precedents CFPB Consent Order, In re TransUnion LLC, 2017-CFPB-0017 : TU fined {$17.00} XXXX for misleading reporting practices. 
FTC v. TransUnion Corp., Civil Action No. 00 C 4729 ( N.D. Ill. XXXX ) : TU sanctioned for failing to maintain accurate reporting procedures. 



Consumer Harm TransUnions unlawful reporting practices are not harmless clerical errors. They cause substantial, ongoing, and material damage : Artificial suppression of my credit score, placing me in the unfavorable/high-risk range.

Denial of credit card, mortgage, auto loan, and personal loan applications.

Unjustifiably higher interest rates on existing and new credit.

Loss of housing opportunities due to background checks relying on TU data. 
Damage to my reputation, portraying me as financially irresponsible. 
Emotional distress and humiliation from being unfairly labeled as delinquent. 

This is not just inaccurate reporting it is systemic misconduct that materially harms my financial stability and opportunities.

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