Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Inaccurate Information Student Loans in Collections To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following student loan accounts currently reported on my TransUnion credit report. These accounts are either inaccurately reported, unverifiable, or potentially fraudulent due to a known data breach. I am requesting their immediate removal under the authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 




Accounts in Dispute ( All associated with Account Number : XXXX ) XXXX. XXXX Balance : {$13000.00} | Monthly Payment : {$110.00} XXXX. XXXX Balance : {$5500.00} | Monthly Payment : {$51.00} XXXX. DEPT OF ED/XXXX  Balance : {$1300.00} | Monthly Payment : {$0.00} 4. DEPT OF ED/XXXX Balance : {$2100.00} | Monthly Payment : {$0.00} 5. DEPT OF ED/XXXX Balance : {$3900.00} | Monthly Payment : {$0.00} 6. DEPT OF ED/XXXX  Balance : {$640.00} | Monthly Payment : {$0.00} 7. DEPT OF ED/XXXX Balance : {$3300.00} | Monthly Payment : {$0.00} 8. DEPT OF ED/XXXX Balance : {$800.00} | Monthly Payment : {$0.00} 9. DEPT OF ED/XXXX  Balance : {$3900.00} | Monthly Payment : {$0.00} 10. DEPT OF ED/XXXX  Balance : {$1800.00} | Monthly Payment : {$0.00} 11. DEPT OF ED/XXXX  Balance : {$430.00} | Monthly Payment : {$0.00} 12. DEPT OF ED/XXXX Balance : {$1400.00} | Monthly Payment : {$0.00} 13. DEPT OF ED/XXXX Balance : {$7000.00} | Monthly Payment : {$0.00} Legal Grounds for Removal 1. FCRA 15 U.S.C. 1681e ( b ) : TransUnion is required to ensure the maximum possible accuracy of all reported information. Any unverifiable or inaccurate item must be removed.

2. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Disputed information must be investigated within 30 days. If the information can not be verified, it must be deleted from the consumers credit file.

3. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information must not report inaccurate data. If they do, it must be corrected or removed immediately.

4. FDCPA 15 U.S.C. 1692g : If any of these accounts have been assigned to a debt collector, I demand full validation of the debt. Reporting a debt without verification is unlawful under fe Actions Requested Remove the above-listed accounts unless they can be verified with complete and accurate documentation from the original creditor. 

Provide written confirmation of each accounts removal or proof of its accuracy. 

Complete your reinvestigation and respond within 30 days, as required by law. 

Failure to Comply Failure to properly address this matter will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals office. Legal action may also be pursued under the FCRA, FDCPA, and other applicable laws.

This is a time-sensitive request and requires immediate attention.

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 explanation