Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXXDepartment of Education XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # XXXX Dispute of Late Payment Reporting and Notification Failures To Whom It May Concern, I am disputing the inaccurate reporting of 10 late payment entries for XX/XX/XXXX on my account ( # XXXX ) by XXXX/Department of Education . These entries were reported despite a 3-month forbearance granted until XX/XX/XXXX and an ongoing Income-Driven Repayment ( IDR ) application processed from XX/XX/XXXX, to XX/XX/XXXX. Additionally, XXXX failed to provide proper written notification of the forbearances end after XX/XX/XXXX, potential late payments, or defaults, violating federal regulations. I request the immediate removal of these entries from my credit report. 

On XX/XX/XXXX, I applied for an IDR plan. XXXX granted a 3-month forbearance until XX/XX/XXXX but did not notify me in writing ( via certified mail or with tracking with confirmation of receipt ) that it would end, relying only on untracked emails. A phone agent implied forbearance should continue due to my IDR application, but no written confirmation was provided. I received the IDR determination on XX/XX/XXXX. Despite this, XXXX reported late payments for XX/XX/XXXX, damaging my credit. 

These actions violate the following regulations : 34 CFR 685.205 ( b ) ( 9 ) : Authorizes forbearance during IDR processing and requires clear communication of payment status. Failure to notify me of the forbearances end after XX/XX/XXXX prevented me from avoiding late payments. 
Higher Education Act, Section 455 ( f ) ( 2 ) ( 20 U.S.C. 1087e ( f ) ( 2 ) ) : Requires servicers to protect borrowers from default with proper forbearance administration, including timely notice of changes.

Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) : Mandates accurate reporting. Late payments reported without proper notice are inaccurate.

15 USC 1692g ( a ) ( Fair Debt Collection Practices Act, FDCPA ) : Requires written notice of debt obligations ( e.g., late payments or defaults ) within 5 days of contact, with proof of delivery. Untracked emails do not comply, as no certified mail or tracking was provided.

Enclosed with this letter : Copy of IDR application ( dated XX/XX/XXXX ) Copy of IDR determination letter ( dated XX/XX/XXXX ) I request that XXXX immediately remove the XXXX late payment entries reported on XX/XX/XXXX, from my credit report and notify XXXX XXXX and TransUnion of the correction. Please confirm compliance within 30 days. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX : Copy of IDR application ( XX/XX/XXXX ) Copy of IDR determination letter ( XX/XX/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