Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint against XXXX and the credit reporting agencies TransUnion, Experian, and Equifax for inaccurately reporting and continuing to furnish data on an account that should not be on my credit report under FCRA, FERPA, and federal educational guidelines.

1. FCRA Violations ( 15 USC 1681 et seq. ) This account is reported as open and current with payment deferred, yet no payments have been required or made due to ongoing federal deferment status. 
XXXX continues to report activity on the account ( last active and last payment date ) even during periods of non-payment due to deferment. This is materially misleading and creates the false appearance of active payment activity when none occurred. 
The continued monthly XXXX and XXXX notations for a deferred XXXX XXXX XXXX misrepresents the actual status of the account, as no payments are due or being made. 
There is no permissible purpose to report active payment history on a deferred loan under 1681b. This mischaracterization of the account may lower my credit score and mislead future creditors. 
2. Violation of XXXX & Unauthorized Disclosure Under the Family Educational Rights and Privacy Act ( XXXX ), educational institutions and agents managing educational records are restricted from disclosing information without consent. XXXX has failed to demonstrate that it has the authority or proper consent to transmit deferred educational loan information to third parties ( the CRAs ). 
I have never provided explicit consent for the sharing of detailed deferred loan information with third-party credit bureaus while no payments were due. 
3. Data Furnishing Inaccuracy and Inconsistent Reporting The balance, high credit limit, and payment terms reported across TransUnion, Experian, and Equifax contain discrepancies and reflect varying last active and last reported datesviolating the FCRAs mandate for accuracy and uniformity under 1681e ( b ). 
Any account with deferred status should not reflect payment activity when no payments are legally required. These are not on-time paymentsthey are non-payments due to legal deferment and must be reported accordingly or omitted. 
4. Violation of Equal Credit Opportunity Act ( Reg. B ) Reporting federal XXXX XXXX in deferment as open and current inflates my debt-to-income ratio and skews my utilization and liability profiles, potentially causing credit denial or adverse actiona violation of my rights under the ECOA and Regulation B XXXX 
Requested Resolution : I am demanding the immediate deletion of this XXXX account from all three credit bureaus due to : Ongoing misrepresentation of deferred XXXX XXXX  activity Inaccurate data furnishing violating 1681e ( b ) Misleading and unauthorized use of educational data without consent Harm caused by inflation of open/active accounts affecting my creditworthiness The law requires that only verifiable, accurate, and complete information remain on my credit report. Since this account fails to meet those standards and continues to misrepresent federal deferment terms, I demand permanent deletion from TransUnion, Experian, and Equifax.

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 explanation