Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Escalation Demand for Permanent Deletion of Misleadingly Reported Account ( New Material Facts ) Dear Sir/Madam, I am submitting this letter as a formal escalation of my prior disputes, specifically regarding the XXXX XXXX account reporting a balance of {$32000.00} on my credit reports. 

Important : This complaint contains new material facts that were not included in any previous submissions : Misrepresentation by XXXX XXXX : I was explicitly informed that I qualified for an in-school deferment and that submission of the school verification form would secure approval. I submitted the form in reliance on this assurance, but only after submission was I informed that I was ineligible. This resulted in derogatory reporting. 
Recent Data Breaches : Both TransUnion and XXXX  have recently experienced large-scale data breaches, compromising the reliability of the information they report. 

These new facts materially affect the accuracy, verifiability, and legality of the reported account and were not addressed in my prior disputes. Therefore, this submission should be treated as a new, escalated complaint, not a duplicate. 

Violations 1. Misrepresentation/ Deceptive Practices Misleading assurances constitute a potential violation of XXXX XXXX and FCRA 623 ( a ) ( 1 ) ( A ).

2. Unverifiable Information Due to misrepresentation and data breaches, the account is unverifiable. Under FCRA 611, unverifiable information must be deleted, not merely re-verified.

3. Credit Reporting Accuracy Under FCRA 1681e ( b ), reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable or compromised information fails this requirement. 

Requested Resolution ( Final Demand ) 1. Permanently delete the XXXX XXXX account from all credit reports. 
2. Cease any future reporting of this account.

3. Provide written confirmation once deletion is completed.

Notice of Escalation Failure to comply will result in : Filing complaints with CFPB, NY XXXX, and NY Attorney General Pursuing legal action under FCRA 611 and 623, and XXXX XXXX XXXX seeking damages, attorney fees, and permanent deletion Attachments Credit monitoring screenshot showing the account still reporting Documentation of in-school deferment submission Prior correspondence ( to show prior disputes ) Evidence of recent TransUnion and XXXX  data breaches -A email from XXXX  that says they granted the postponement but it was still reported on my credit report as highlighted in screenshot of my credit monitoring and was reported in XXXX I expect a written response within 15 business days confirming permanent deletion. Continued reporting of inaccurate, misleading, or unverifiable information constitutes ongoing violations of federal law. 

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