Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15958391
Complaint Overview
Complaint ID: 15958391
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: 282XX
Date Received: 2025-09-15T12:00:00-05:00
Date Sent to Company: 2025-09-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally dispute the negative credit reporting related to a student loan allegedly in my name through XXXXDepartment of Education . I recently became aware that multiple delinquent payments from this loan have been reported to the credit bureaus between XXXX and XX/XX/XXXX and were reported all at once. These entries have devastated my credit score, dropping it to a XXXX, and they do not reflect my payment behavior, history, or awareness of this loan. To say I was blindsided is an understatement. This situation has caused an immense amount of emotional distress, financial hardship, and confusion. I had no prior knowledge that this loan existed. My father graciously handled my tuition and student account matters back in XXXX, and neither he nor I were ever notified of a balance in my name or any missed payments until receiving the sudden default notice. Prior to this, I never received any billing statements, email notices, or mail correspondence regarding this debt and if I signed anything back then, I probably just assumed it was for school and not additional loans. Until this incident, I had an excellent credit history. Ive always paid my bills on time, was independently approved for both my car loan and apartment lease and have never carried delinquent debt. This unanticipated and unnotified reporting has now significantly jeopardized my financial future and opportunities. Whats most painful is that it happened without my knowledge or the ability to act on it beforehand. I respectfully request that this situation be reconsidered for removal from my credit report. I have already worked with XXXX to set up a repayment plan, despite never having been properly informed or billed. This shows my willingness to take responsibility, but I do not believe I should be punished for something I was not given the chance to prevent. I am asking, with deep sincerity, that you review this case not only from a technical standpoint but from a human one. I am XXXX XXXX XXXX and trying to build my life. One administrative gap has now placed that future at risk. Please consider removing or amending the negative credit reporting associated with this loan. I am also requesting an investigation into how and why proper notice was not given. Thank you for your time, compassion, and understanding in reviewing this appeal.
Frequently Asked Questions
What is Complaint #15958391 about?
Complaint #15958391 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-15T12:00:00-05:00.
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.