Consumer complaint received 2025-10-02 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: DE

Complaint narrative:
On XX/XX/year> I disputed inaccurate TransUnion reporting for a studentloan account ( reporting date and supporting documents attached ). XXXX and Experian correctly show the account as Pays as agreed, but TransUnion continues to report the account with a derogatory status ( student loan account ending XXXX ). On XX/XX/year> TransUnion responded to my dispute with No changes needed without providing any XXXX documentation, furnisher communication records, method of verification, or internal reinvestigation notes. TransUnion has therefore failed to ( 1 ) conduct a reasonable reinvestigation, ( 2 ) disclose the procedure/method it used to verify the disputed information, and ( 3 ) delete unverifiable/incorrect information. TransUnions ongoing inaccurate reporting has caused a materially lower credit score, denials of credit, severe financial hardship, and emotional distress, and has prevented me from securing housing and necessary funding.Relevant dates and facts : Initial dispute submitted : XX/XX/XXXX, XXXX response XXXX XX/XX/year> No changes needed ( no supporting verification provided ) .Comparative CRA reporting : XXXX XXXX XXXX  show Pays as agreed.Product/record at issue : TransUnion XXXX reporting for student XXXX account ( account ending XXXX ) .Evidence available : credit reports showing discrepancy and TransUnion dispute response ( to be attached ) .Laws and obligations implicated15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to conduct a reasonable reinvestigation.15 U.S.C. 1681i ( a ) ( 6 ) & ( a ) ( 7 ) duty to disclose method/procedure of verification.15 U.S.C. 1681e ( b ) duty to maintain maximum possible accuracy.15 U.S.C . 1681n & 1681o civil liability for willful and negligent noncompliance.Pattern/practice context : recent case law and enforcement actions ( e.g., XXXX XXXX TransUnion ) demonstrating systemic investigation failures.What I tried to resolve thisSubmitted a formal dispute to TransUnion ( XX/XX/year> ) .Received TransUnions No changes needed response ( XX/XX/year> ) without ACDV, verification method, furnisher communications, or reinvestigation records.No adequate follow-up documentation or corrective action has been provided.How this affected meLowered XXXXredit score and denials of credit and housing.Severe financial hardship : inability to secure funding or housing ; reliance on family assistance.Emotional distress and time lost addressing the inaccurate reporting.Current risk of homelessness for me and my dependent child due to barriers caused by inaccurate reporting.What I want the company to do ( specific requested resolution ) Conduct a full, independent, and documented reinvestigation of the disputed TransUnion entry within 15 days and either correct or delete the inaccurate/derogatory reporting.Provide to me and to the CFPB, with dates and full content XXXX Any and all ACDVs/eOSCAR records or other dispute notices TransUnion sent to the furnisher regarding this account ; TransUnions complete verification documentation and internal reinvestigation notes, including the method and procedure used to verify the information under 15 U.S.C. 1681i ( a ) ( 6 ) / ( 7 ) ; All communications between TransUnion and the furnisher ( including dates, message content, and transmission method ) ; Proof of deletion or correction and confirmation that corrected data was transmitted to all CRAs.Immediately cease reporting the disputed derogatory entry until valid verification is produced and include my dispute notation in any continued reporting.Disclose TransUnions policies, procedures, and training materials applicable to dispute handling for consumer disputes of this nature.Provide written confirmation of results and a certification signed by an authorized representative attesting that a complete search for responsive records was conducted.Attachments I will provideCredit reports showing inconsistent reporting ( TransUnion vs. XXXX ) .TransUnion dispute response XXXX if available ) .Any correspondence documenting credit denials or financial harm.Other informationI intend to pursue all available remedies under the FCRA if TransUnion does not comply XXXX This complaint requests CFPB assistance and documentation from TransUnion and does not waive my right to litigate.I consent to publication of this description on consumerfinance.gov after removal of personal identifiers.Requested outcome for CFPB portal fieldsCompany : TransUnion LLCProduct : Credit reporting student loan accountWhat happened? : ( Use the full What happened? text above ) What I want done? : ( Use the full What I want the company to do text above ) I will attach the supporting credit reports and the TransUnion response when prompted.

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