Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate, outdated, and severely derogatory information being reported by TransUnion regarding a student loan tradeline previously serviced by XXXX XXXX XXXX ( XXXX ). This account was transferred back to the XXXX Department of Education and is no longer actively serviced by XXXX. Since that time, both Experian and Equifax have either corrected or removed the account entirely from their credit files. However, TransUnion continues to report this account with XXXX late payments and XXXX instances of XXXX day delinquencies, which is having a disproportionate and damaging effect on my credit score. 

I initially attempted to dispute this account through TransUnions website in late XX/XX/year>, but I never received confirmation that the dispute was submitted or processed. The dispute appears to have been ignored entirely. A few days later, I submitted a second dispute via live chat on XX/XX/year>, and this time received both an on-screen confirmation during the chat and a follow-up email confirming that the dispute had been opened ( both are attached ). 

Despite these efforts, TransUnion continues to report this account without any change and has marked the dispute as XXXX XXXX without providing any summary of findings or justification for maintaining the information. There is no indication that a reasonable reinvestigation was conducted in compliance with the Fair Credit Reporting Act ( FCRA ), which requires : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) A consumer reporting agency must conduct a reasonable reinvestigation if the completeness or accuracy of any item of information is disputed.

15 U.S.C. 1681e ( b ) CRAs are obligated to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681g ( a ) ( 1 ) The CRA must disclose to the consumer the sources of information and the manner of reinvestigation upon request.

Additionally, I have previously submitted documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block tradelines resulting from identity theft, unrelated to this account. I am concerned that my file may now be improperly flagged or suppressed in a way that is interfering with the processing of legitimate disputes, including this one. If true, this represents a systemic failure to comply with the consumer protections mandated by the FCRA and potentially violates my rights under federal law. 

Requested Resolution : XXXX. A full explanation of the status and outcomes of both submitted disputes ; XXXX. A proper reinvestigation of the XXXX tradeline, including outreach to the data furnisher ; XXXX. Correction or removal of the tradeline to reflect its current, inactive status consistent with how Experian and Equifax now report it.

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