Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally requested the voiding, cancellation, and removal of a promissory note agreement from : XXXX, Florida Department of Education, Federal Family Education Loan ( FFEL ) Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), and all three credit bureaus : XXXX, XXXX and TransUnion, which was entered into with XXXX. The agreement in question is associated with account number ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I am providing all necessary details below to facilitate the process. 1. **Reason for Request : ** I am requesting this action due to the following grounds : a ) **Fraudulent Misrepresentation : ** The promissory note agreement with XXXX was entered into under circumstances involving fraudulent misrepresentation by XXXX XXXX  XXXX XXXX XXXX ), Federal Family Education Loan ( FFEL ) Program, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Specifically, I was induced to sign the agreement under false pretenses, as crucial information regarding a Federal Pell Grant program promised by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> was withheld from me. The non-disclosure of XXXX XXXX XXXX XXXX XXXX as a school entity and the ambiguity surrounding the promised Federal Pell Grant Program constitute fraudulent misrepresentation. b ) **Duress or Coercion : ** Furthermore, it is imperative to note that the circumstances under which I entered into the agreement with XXXX involved duress or coercion after my employment income were being garnished without my knowledge. I was not provided with all relevant information regarding the terms and conditions of the agreement, and I was pressured into signing without a full understanding of the implications as to why my wages were being garnishes and why I owed a debt to the Florida Department of Education, XXXX, XXXX XXXX XXXX ( XXXX ), Federal Family Education Loan ( FFEL ) Program and all three credit bureaus ; XXXX, XXXX, and TransUnion, submitted by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX ). c ) **Ambiguity : ** The terms of the agreement itself were ambiguous and lacked clarity by the staff and representatives of XXXX XXXX XXXX XXXX XXXX XXXX This ambiguity contributed to my misunderstanding of the Federal Pell Grant Program agreement and further underscores the fraudulent nature of its inception for a Federal Pell Grant Program being offered to me. d ) **Non-Disclosure of Promised Federal Pell Grant Program : ** The most significant factor contributing to my request is the non-disclosure of the promised Federal Pell Grant Program by XXXX XXXX XXXX XXXX XXXX ; Federal Family Education ( FFEL ) Program during XX/XX/year>. XXXX XXXX was never a disclosed school entity, but instead was disclosed to my knowledge as XXXX  XXXX XXXX XXXX, and the promise of a Federal Pell Grant Program, which was a crucial component of my decision to enter into the agreement, that was not fulfilled. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681. Reporting : XXXX XXXX XXXX XXXX XXXX ; Federal Family Education Loan ( FFEL ) Program ; XXXX XXXX XXXX ( XXXX ), and XXXX-account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. " 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1682 Section 604 A ( 2 ) : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c A. ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s ( 2 ) A. 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In addition, as per the Fair Credit Reporting Act ; 611. Procedure in case of disputed accuracy 15 U.S.C. 1681i ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate.

Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ''

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