Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute & Demand for Verification/Deletion XXXX / Department of Education Student Loans To Whom It May Concern : I am writing to formally dispute the accuracy, completeness, and verifiability of the following student loan accounts appearing on my credit report. This letter is written pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I hereby demand a full reinvestigation of the accounts listed below and immediate deletion of any that can not be verified with documented proof.

Accounts in Question : Lender / Servicer Account Number Balance Date Opened Status XXXX / Dept. of Education XXXX XXXX XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX Days Past Due XXXX / Dept. of Education XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX Days Past Due XXXX / Dept. of Education XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 120+ Days Past Due XXXX / Dept. of Education XXXXXXXX XXXX XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX 120+ Days Past Due XXXX / Dept. of Education XXXXXXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX 120+ Days Past Due XXXX / Dept. of Education XXXXXXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX 120+ Days Past Due XXXX / Dept. of Education XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX 120+ Days Past Due XXXX / Dept. of Education XXXXXXXX XXXX XXXX XXXX XXXX  {$5200.00} XX/XX/XXXX 120+ Days Past Due Documented Flaws and FCRA Violations : A review of my credit report reveals significant reporting flaws and potential legal violations in these accounts : Incomplete & Missing Payment History : Many accounts show long gaps in reporting, followed by sudden jumps to severe delinquency. This creates unverifiable data and violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of information.

Contradictory Account Status : Accounts are reported as 120+ Days Past Due even when no payments, amounts paid, or activity are reported for extended periods. Such contradictions indicate the data may be inaccurate or unverifiable.

Outdated Negative Information : These accounts originated between XXXX and XXXX, yet they are scheduled to remain on my report until XXXX far beyond the 7-year limit allowed under FCRA 1681c ( a ) ( 4 ). Negative items beyond this period must be deleted unless revalidated as a new obligation, which has not been proven.

No Evidence of Ownership or Assignment : There is no proof of assignment or original creditor documentation linking the debt to XXXX. Under FDCPA 1692g ( b ), reporting or collection without proper validation is unlawful.

Incomplete Account Data : Critical details such as the original loan amount and full payment history are missing or inconsistent. Reporting incomplete data is a direct violation of FCRA 1681i ( a ).

Use of X ( Unknown ) Status Codes : Multiple months show X or unknown statuses, meaning the furnisher itself did not verify the information. Unverifiable data must be removed within 30 days of
a dispute under FCRA 1681i ( a ).

My Demand : Verification : Provide documented evidence validating the accuracy, ownership, and reporting of each account, including copies of original signed promissory notes and complete payment histories.

Deletion : If any account can not be fully verified in accordance with federal law, it must be permanently deleted from my credit file.

Compliance Deadline : Provide written results of your reinvestigation and documentation supporting continued reporting within 30 days of receipt of this letter, as required under FCRA 1681i ( a ) ( 1 ) ( A ).

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I also reserve the right to pursue legal action for continued reporting of inaccurate, incomplete, or unverifiable information.

This letter serves as formal notice of dispute. Please handle it with the seriousness and legal compliance required by federal law.

Sincerely, XXXX 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