Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate and Damaging Reporting by TransUnion and XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and TransUnion for the inaccurate and unjustified reporting of student loan accounts that have caused significant and measurable harm to my credit profile. 

Specifically, TransUnion is reporting two XXXX student loan accounts under account number XXXXXXXX XXXX XXXX XXXX XXXX  with a status of " Late 90 Days '' as of XX/XX/XXXX. However, these accounts were previously in dispute, and I have not received any valid documentation from XXXX demonstrating a legally enforceable promissory note signed by me, nor any permissible purpose under 15 U.S.C. 1681b for their continued furnishing of derogatory credit data to TransUnion.

Grounds for Dispute and Complaint : Absence of 30/60 Day Late Reporting : Both accounts show no record of 30- or 60-day delinquencies, only an abrupt jump to " 90 days late '' status, which is factually inconsistent and algorithmically suspicious. This violates the Fair Credit Reporting Act 's standard of maintaining accurate and consistent information under 15 U.S.C. 1681e ( b ).

Lack of Signed Promissory Note or Contractual Obligation : XXXX has never provided a copy of any signed promissory note to validate their right to collect or report this alleged debt. Without a valid, original instrument of indebtedness, this reporting constitutes unverified and potentially fraudulent reporting under 15 U.S.C. 1681s-2 ( b ) and 1692g of the FDCPA.

Impact on Credit Score : These two accounts alone caused my credit score to drop XXXX points, drastically impairing my ability to obtain housing, credit, and financial services. This level of harm from disputed and unverifiable information constitutes real damages and serious reporting misconduct. 

Securitization and Ownership Issues : Based on my independent research, XXXX student loans have been securitized and placed into a trust. If that is the case, XXXX is not the legal holder of the debt and can not report or collect on accounts they do not legally own, particularly without providing the chain of title. 

Remarks Indicate Ongoing Dispute Ignored : Despite my prior dispute, both accounts are marked Dispute resolved ; customer disagreesyet no proper investigation was completed, and no supporting documentation was provided. This violates 15 U.S.C. 1681i ( a ) regarding reinvestigation of disputed information.

Relief Requested : Immediate removal of the derogatory 90-day late payment marks from my credit file.

A full reinvestigation of these accounts under 15 U.S.C. 1681i, including the production of all verifying documentation, such as a signed promissory note and loan ownership records.

Financial damages and penalties for harm caused by negligent and inaccurate reporting.

Oversight and enforcement action against XXXX and TransUnion for violating the Fair Credit Reporting Act. 

Supporting screenshots of the TransUnion report for both accounts are attached to this complaint. 

Please investigate this matter urgently. I expect a timely resolution and full correction of my credit report pursuant to federal law.

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