Consumer complaint received 2024-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Description of Issue : Loan Information : Original Loan Date : [ Year XXXX ] Loan XXXX BETWEEN XXXX Background : THE AMOUNTS CHANGE ALL THE TIME ANED THE DATES I took out a student loan in XXXX  for my education. Unfortunately, I did not complete my degree and have not obtained a job in the field for which I originally intended to study. 
Despite my attempts to resolve the situation, the loan has been sold to multiple companies over the years. Each time it gets sold, the new company starts the process over, causing significant confusion and difficulty in managing the loan. 
Actions Taken : Initial Dispute : NOTHING FROM THEM Subsequent Sales : the loans were sold to different lender through out the years Recent Communications : filed with cfpb Current Status : Despite my previous disputes and attempts to resolve the loan situation, it remains unresolved, and I am facing ongoing issues with it being sold to new entities. 
Desired Resolution : I seek a clear resolution of this matter, including proper documentation of the loan status, accurate records of payments and disputes, and a fair resolution given the ongoing confusion due to the loan being repeatedly sold. 
15 USC 1681b Permissible Purpose of Consumer Reports This section outlines who can access your credit report and under what circumstances. It requires that anyone who obtains your credit report must have a permissible purpose. 

15 USC 1681c Requirements Relating to Information Contained in Consumer Reports This section specifies what information can and can not be included in your credit report, including the timeframes for how long certain information can remain on your report. 

15 USC 1681e Compliance Procedures This section mandates that credit reporting agencies maintain procedures to ensure the accuracy and integrity of the information contained in consumer reports. 

15 USC 1681i Procedure in Case of Disputed Accuracy This section details the process for disputing inaccuracies on your credit report, including the requirement for credit reporting agencies to investigate disputes. 

15 USC 1681j National Consumer Reporting Agencies This section addresses the responsibilities of national credit reporting agencies to provide you with information about your credit file and the right to receive a free copy of your report under certain conditions. 

15 USC 1681m Requirements on Users of Consumer Reports This section requires users of consumer reports to provide notice when they take adverse action based on information in the report, such as denying credit or employment. 

15 USC 1681n Civil Liability for Willful Noncompliance This section provides for civil liability if a credit reporting agency willfully fails to comply with the requirements of the FCRA. 

15 USC 1681o Civil Liability for Negligent Noncompliance This section provides for civil liability if a credit reporting agency negligently fails to comply with the requirements of the FCRA.

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