Consumer complaint received 2025-04-07 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX servicer concerning a breach of duty and mishandling of XXXX XXXX XXXX account that has caused significant distress and financial harm. 

According to the Fair Credit Reporting Act ( FCRA ), section 605B. It is illegal to report information on my credit report without proof or permission. Please remove this item from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal and financial information was compromised without my authorization. The family education rights and privacy act FERPA, protects the confidentiality of XXXX XXXX This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach, resulting in the compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX XXXX debt within 5 business days and remove all XXXX XXXX from my credit report. 



Despite my efforts to maintain compliance with my servicer, they have : - Mishandled my personal and/or financial information ( if applicable, specify the type of breach, such as unauthorized data sharing, inaccurate reporting to credit bureaus, or failure to follow privacy protections ). 
- Failed to apply payments correctly or provide accurate account statements. 
- Neglected to inform me about repayment options, deferment, or forgiveness programs I may have been eligible for. 
- Violated borrower rights or protections under federal XXXX XXXX guidelines ( such as failing to honor a discharge, forbearance, or rehabilitation agreement ). 

Due to this breach, I am requesting : 1. A full investigation into the actions of the loan servicer and Master Promissory Note for each loan 2. Immediate removal of the affected loans from my credit report if the breach warrants such action. 
3. Remediation for any financial or credit damage caused as a result of their negligence or misconduct. 

Please find attached any relevant documentation, including correspondence, statements, or notices Ive received related to this issue. 

I respectfully request that the CFPB take action to hold the servicer accountable and protect my rights as a borrower. I am also open to further discussion and can provide additional documents if needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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