Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13707398
Complaint Overview
Complaint ID: 13707398
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 49546
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint and demand the permanent deletion of all student loan accounts being reported under my name by the U.S. Department of Education and its loan servicer, XXXX. This request is based on the recent publicized data breach involving the Department of Education, in which sensitive personal data connected to federal student loans was compromised during what has been described as the DOE/Doge cyber event. As a borrower, I did not authorize or consent to the sharing, transfer, or public exposure of my personal, financial, or loan data. The breach not only compromised private information but violated my fundamental rights to privacy and data security. This incident has permanently undermined the legitimacy, accuracy, and confidentiality of the data being used to service and report my student loans. This complaint is based on the following facts : My student loan data was maintained by an agency that was breached and linked to politically motivated cyber activity. There is no public or private assurance that my specific loan or identifying information was protected from this breach. No signed agreement exists authorizing the dissemination of my personal data in a manner that exposed it to cyberattack or third parties. Continued credit reporting based on compromised or unverifiable data is a violation of the Fair Credit Reporting Act ( FCRA 1681i ). I am now experiencing emotional and financial distress over the security of my data and the integrity of the records used to maintain my credit. As such, I am demanding the following actions be taken immediately : 1. The permanent deletion of all Dept. of Education/XXXX-related student loan accounts from all consumer credit reports ( Experian, Equifax, and TransUnion ). 2. Written verification from the Department of Education that my personal and loan data was not involved in the breach or an admission if it was. 3. A complete halt to all reporting and collection activity tied to any accounts affected by the breach. This request is made under the authority granted to me by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Privacy Act. Any failure to properly safeguard my data or continued reporting based on tainted information constitutes grounds for deletion and federal enforcement. I respectfully request that the Consumer Financial Protection Bureau initiate a full investigation into this matter and take immediate steps to ensure my student loans are permanently deleted from all credit reporting databases due to the breach and privacy violation.
Frequently Asked Questions
What is Complaint #13707398 about?
Complaint #13707398 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-25T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.