Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : DEMAND FOR IMMEDIATE DELETION FAILURE TO MEET XXXX  REQUIREMENTS Dear TransUnion Compliance Department , I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( XXXX  ) 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 Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), 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 15 U.S.C. 1681e ( 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 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

I demand an immediate and thorough reinvestigation of my consumer file under 15 U.S.C. 1681i ( a ) ( 1 ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
Additionally, if TransUnion is reporting accounts or information obtained from sources such as XXXX, XXXX, or other third-party data aggregators, I demand disclosure of the exact method of verification pursuant to 15 U.S.C. 1681g ( a ) ( 2 ). 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 15 U.S.C. 1681n, making TransUnion liable for statutory and punitive damages. Should this matter not be resolved within 30 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 30 days to remain compliant with the statutory timeframe. 
Accounts are listed below : First Progress/Account NumberXXXX Date opened, date verified, date of last activity is incorrect and does not match other Credit Reporting Agencies. There are two listed and both are reporting inaccurate data XXXX XXXX/Account NumberXXXX high balance is different on all agencies, date of last activity is different on all agencies, date reported is different on all agencies, close date is different on all reporting agencies, last payment and credit limit is incorrect on all agencies. 
XXXX XXXX/Account NumberXXXX Date of last activity, date opened, date reported and close date are all different in all reporting agencies XXXX XXXX XXXXl/Account NumbeXXXX  date reported, date of last activity and date verified is all the same date, can not be possible when the date opened was in XXXX XXXXXXXX XXXXAccount NumberXXXX There is no close date listed but date of last activity, date verified and date reported are all there and this account is in closed status.

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