Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : DEMAND FOR IMMEDIATE DELETION FAILURE TO MEET XXXX XXXX Dear TransUnion XXXX Department, I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( CMI ) of the information contained in my consumer report that your agency has furnished. In the credit world, XXXX refers to the standard that consumer reporting agencies must upholdensuring that all data reported is XXXX, Meets the highest level of possible Accuracy, and maintains its XXXX as required by federal law. Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under XXXX XXXX. XXXX ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under XXXX XXXX. XXXX ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported. 
Account XXXX XXXX XXXX XXXX # XXXX I demand an immediate and thorough reinvestigation of my consumer file under XXXX XXXX. XXXX ( a ) ( XXXX ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Additionally, if TransUnion is reporting accounts or information obtained from sources such as XXXX, XXXX, or other XXXX  data XXXX, I demand disclosure of the exact method of verification pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ). Any failure to provide a proper verification method renders the data unverifiable and mandates its immediate removal. 
Failure to comply with my demand will be deemed a willful violation under XXXX XXXX. XXXX, making TransUnion liable for statutory and punitive damages. Should this matter not be resolved within XXXX days from receipt of this notice, I will explore all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Please provide written confirmation of the deletions within XXXX  days to remain compliant with the statutory timeframe.

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