Consumer complaint received 2025-06-06 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:
In XXXX of XXXX, I received an alert that the Department of Education had added two accounts to my TransUnion credit report. When I checked the report, I discovered that two accounts were being reported by the US Dept of Education as having been opened by me in XXXX of XXXX and were in collections. As I had opened no such accounts, I disputed both with TransUnion. Two weeks later, I was told that the accounts had been verified and confirmed as having been first opened in XX/XX/XXXX. 

I then called the US Dept of Education and was told that the accounts related to two Perkins Student Loans they claim that I opened in XXXX and XXXX ( XXXX and XXXX  years ago, respectively ) and that have unpaid balances with no repayments having ever been made. When I told them that I was aware of no such accounts and asked why they were reporting them as having been opened in XXXX of this year if they related to accounts that were more than three decades old, the representative told me that that's when the US Dept of Ed began collections not when the accounts themselves were actually opened. I then disputed both loans and was told that someone would investigate and get back to me. To date, no one from Dept of Ed has gotten back to me nor have they corrected the erroneous dates with TransUnion.

After speaking to the US Dept of Ed, I again contacted TransUnion and advised them of what I had been told and that the loans in question are from XXXX and XXXX and that I don't believe them to be mine, but that even if they are that they should no longer appear on my credit reports due to their age. The TransUnion representative then confirmed that any delinquent accounts older than 7 years and 180 days are no longer included on consumer reports, but said that because the Dept of Education is reporting them as having been opened in XXXX of XXXX there was nothing she could do. 
I asked if they could investigate it again and was denied. 

To confirm, I have not opened any loans with the US Dept of Education this year or any year since the early XXXX 's. I did have a number of student loans back then, but to my knowledge they were all repaid many years ago. As of today, I have received no information from the US Dept of Ed related to these loans and still don't think they are mine. However, even if they are, given their age, they should no longer be on my credit reports. 

It seems to me that the Dept of Ed 's inaccurate reporting of when the actual accounts were opened is intentional, as there's a 30+ year time difference. Because of this fraudulent reporting by the US Dept of Ed. and Transunion 's refusal to remove the accounts from my report, my credit score has dropped by more than XXXX points and I have been harmed as I was denied credit when attempting to finance a car this week.

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