Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and harmful credit reporting by TransUnion related to my federal student loans serviced by XXXX. Despite my long history of financial responsibilityincluding never missing a payment in my adult lifemy credit score has dropped significantly due to a delinquency that was reported without my knowledge or fault. 

I first discovered this issue in early XX/XX/year>, when I was attempting to purchase a vehicle and noticed that my credit score had dropped unexpectedly. Upon further investigation, I found that TransUnion was reporting my student loan as delinquent. I immediately contacted the loan servicer and was shocked to learn that they had the wrong address, phone number, and email address on file for me. Because of this, I never received any notices regarding a due paymentnot by mail, email, phone, or text. 

After logging into the servicers website, I learned that there were XXXX delinquency notices on my accountall of which I had never received. The loan servicer only has the correct contact information now because I manually updated it myself after discovering the issue. At no point did they attempt to correct their records or notify me through any alternative method. Currently, my loans are in forbearance, and the servicer has since provided me a letter stating my account is in good standing, which I submitted to TransUnion in a formal dispute. Despite this clear evidence, TransUnion denied my dispute and continues to report inaccurate information that is harming my credit. 

To be clear, I have always taken my financial obligations seriously. I recently purchased a home and paid off a vehicle, and my credit score was in the XXXX before this incident. I had plans to refinance my home at the end of 2025, and this inaccurate reporting has not only derailed my car purchase but could seriously impact my future mortgage plans. 
I have taken every reasonable step to resolve this matter : -I contacted the loan servicer and requested proof of my account status.

-I updated my contact information and reviewed my account history.

-I submitted the good standing letter to TransUnion as part of a formal dispute.

-I am currently in the process of obtaining a letter of good standing from my bank to further verify my financial track record.

If this issue is not resolved promptly, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action under the Fair Credit Reporting Act, as this situation constitutes a failure to ensure accurate reporting and proper consumer notification. 

I respectfully request that this issue be thoroughly reviewed and that TransUnion be required to correct the inaccurate reporting immediately. 

Thank you for your time and attention.

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