Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing this complaint because TransUnion has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) during the handling of my credit disputes regarding my student loan accounts serviced by XXXX XXXX Department of Education ). 

1. TransUnion only investigated ONE account even though THREE were submitted in the same dispute.

I disputed three ( 3 ) separate student loan accounts, all listed clearly by account number, as shown on my credit report and highlighted within the dispute packet and included in my CFPB complaint from XX/XX/year>. Attached are the Round XXXX ( dated : XX/XX/year> ) and Round XXXX ( dated : XX/XX/year> ) as proof of the XXXX Department XXXX XXXX XXXX XXXX were disputed and mailed to TransUnion. 

On Wednesday, XX/XX/year> at XXXX, I called TransUnion and spoke to a representative named XXXX XXXX who was rude and hung up on me when I asked for Method of Verification. After that interaction, I called again at XXXX, asked to speak to the TransUnion supervisor, whose name is Ash XXXX XXXX Supervisor in Special Handling, who informed me that only XXXX account was investigated, despite the fact that all three were submitted together. Nor did this supervisor provide information in regards to WHICH account they allegedly verified.

This violates : -FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation -FCRA 611 ( a ) ( 2 ) failure to forward all relevant information to the furnisher -FCRA 611 ( a ) ( 6 ) failure to provide proper notice of results -FCRA 1681e ( b ) failure to maintain maximum possible accuracy TransUnion ignored two-thirds of the information and disputes I provided. 2. TransUnion refused to provide the legally required Method of
Verification ( MOV ).

When I asked for the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ), the supervisor stated : We can not provide a Method of Verification. XXXX verified it, and that is the result. 

This is an explicit refusal to comply with federal law. 

FCRA 611 ( a ) ( 7 ) requires TransUnion to provide : -The procedure used to verify the information -The documentation relied upon -The name, address, and contact information of the furnisher -A description of the reinvestigation process TransUnion stated they do not verify the information themselves and instead rely solely on the furnishers response. 

This violates : -FCRA 611 ( a ) ( 7 ) failure to provide MOV -FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation -FCRA 611 ( a ) ( 2 ) ( B ) failure to forward all relevant information -FCRA 611 ( a ) ( 5 ) failure to delete unverifiable information The supervisor escalated the call by continuously refusing to provide me with information I have legal rights to, during my attempts to get clarification. 

XXXX. XXXX allegedly verified the accounts, but TransUnion can not show any documentation. 

The supervisor stated : We reach out to XXXX, they verify it, and thats the result. 
This means TransUnion : -Did NOT obtain documentation -Did NOT review payment histories -Did NOT investigate my specific dispute claims -Did NOT verify each late payment month -Did NOT follow FCRA reinvestigation requirements Automated verified responses through e-OSCAR are NOT legally sufficient under the FT
C and CFPB guidelines.

This is a major violation of the FCRA.

4. Only SOME late payments were removed by TransUnion proving that the information is unreliable.

If the accounts were truly verified, why were some months corrected while others remained?

Selective correction is evidence of inaccurate reporting and furnisher inconsistency.

This also violates : -FCRA 1681e ( b ) maximum possible accuracy -F

CRA 611 ( a ) ( 5 ) unverifiable information must be deleted TransUnion can not legally verify partial delinquencies if they can not verify the whole timeline. 5. Requested Resolution I am requesting : -A full and complete reinvestigation of all THREE student loan accounts. -Deletion of all late payments from these accounts, as TransUnion has failed to provide documentation verifying accuracy. -A written Method of Verification, as required by 611 ( a ) ( 7 ). -Documentation and explanation of the reinvestigation process conducted.

-A written response from TransUnions executive escalations team.

Given the mishandling, noncompliance, and refusal to follow federal reporting guidelines, I am requesting immediate regulatory review. 

Sincerely, 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