Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint because XXXX  is reporting multiple inaccurate late payments across numerous Department of Education student loan accounts, and every single entry violates the Fair Credit Reporting Act ( FCRA ), the Metro-2 reporting guidelines, and federal student loan servicing requirements. I have listed every account below, and all of them contain the same reporting errors, the same timeline discrepancies, and the same negligence in verifying factual information : Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Total issue : XXXX is reporting 90-day and 120-day late payments without ever reporting the required prior 30-day and 60-day delinquency sequence, and without reporting any monthly payment history leading up to those lates. This violates FCRA 609, 611, 623, and the Metro-2 Credit Reporting Resource Guide , which requires 100 % factual, complete, chronological, and verifiable data. Anything missing or incomplete must not be reported at all.Every account on my credit report shows Account Not Disputed.

This is false.

I have disputed ALL of these accounts with every credit bureau for over six months. XXXX failed to mark the accounts as In Dispute, violating FCRA 623 ( a ) ( 3 ).

For ALL accounts, XXXX reported : NO payment history from XX/XX/XXXX through XX/XX/XXXX. All months show Unavailable. 
Despite those gaps, in XX/XX/XXXX, XXXX  suddenly shows a 90-day latewith no prior 30- or 60-day late reported at all. 
In XX/XX/XXXX, XXXX  shows a 120-day late.

Again no documented sequence of delinquency, no history, no chronology.

Under Metro-2, a furnisher can not report a 90-day late unless the 30-day and 60-day lates were actually reported. 
XXXX simply inserted late payments out of nowhere.

This is illegal, incomplete, and unverifiable reporting.

TransUnion shows : OK/On Time from XX/XX/XXXX XX/XX/XXXX Several months marked Unavailable ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Suddenly in XX/XX/XXXX, they report 90 Days Late and 120 Days Late on the SAME MONTH Then no more payment reporting after that point This is contradictory, impossible under federal loan guidelines, and violates : FCRA 623 ( a ) ( 1 ) ( furnishing information known to be inaccurate ) FCRA 607 ( b ) ( maximum possible accuracy requirement ) Metro-2 Payment Rating logic, which prohibits two different delinquency ratings in the same month U.S. Dept. of Education servicing rules, which require accurate chronological delinquency reportingExperian shows : On-time payments up through XX/XX/XXXX Suddenly a 90-day late in XX/XX/XXXX Followed by a 120-day late in XX/XX/XXXX Then all months show Unavailable until XX/XX/XXXX the next time a payment appears Again no 30-day or 60-day sequence. No factual monthly history.

This is illegal, unverifiable, and incomplete.

Since you don't know : The Department of Education servicing guidelines clearly require : Reporting every months status Reporting chronological delinquency progressions Reporting accurate forbearance, deferment, IDR processing, or payment plan statuses Reporting ONLY a 90- or 120-day late with XXXX prior reporting is not allowed under federal servicer obligations. 
XXXX routinely makes this error and has been sued for similar reporting issues in the past.

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