Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding the inaccurate, unverifiable, and unauthorized items currently appearing in my credit file. The credit bureaus and furnishers have failed to ensure maximum possible accuracy under FCRA 607 ( b ), have reported unverifiable information in violation of FCRA 611, and have allowed unauthorized credit pulls in violation of FCRA 604 ( a ). 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong Address Reporting Law : FCRA 15 U.S.C. 1681e ( b ) and 1681i ( a ) require consumer reporting agencies to ensure maximum possible accuracy and to promptly delete or correct any inaccurate information after a dispute. Reporting a residence address where I have never resided is a violation of my rights.

Story : This address has been falsely linked to my credit file without my authorization or consent. I have never lived at this location nor had any financial connection to it. Its presence in my credit profile causes reputational harm, identity confusion, and increases my risk of fraud. I have previously submitted disputes, yet the agencies have failed to remove it, proving negligent reinvestigation. The inaccurate linkage creates an impression of residency, which is entirely false and damaging to my credibility with creditors and employers. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Issue : Wrong Address Reporting Law : FCRA 15 U.S.C. 1681e ( b ) and 1681i ( a ) mandate accuracy and timely correction of errors. Failure to remove incorrect addresses after notification constitutes willful noncompliance under 1681n.

Story : This Florida address has no association with me. I have never lived, worked, or conducted business here. This false entry is a severe breach of credit reporting duties, suggesting potential mixed file contamination. The agencies repeated failure to remove this address even after disputes indicates reckless disregard for my rights. This inaccurate data contributes to lowered creditworthiness and increases identity theft vulnerability. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$700.00} Collection * * Issue : Inaccurate Collection Account Reporting Law : FCRA 1681s-2 ( b ) obligates furnishers to conduct proper investigations upon receiving disputes and to delete unverifiable accounts. FDCPA 15 U.S.C. 1692e prohibits false representation of debt and 1692f prohibits unfair practices.

Story : This account is reported as a collection without proper validation. I never received any debt validation letter from the collector as required by 15 U.S.C. 1692g. The account may be the result of mistaken identity or billing error. No original signed agreement or itemized statement proving the debts legitimacy has been provided to me. Reporting this account without verification damages my credit score, impedes my ability to obtain credit, and causes XXXX XXXX  Continuing to report unvalidated debt constitutes a willful violation of both the FCRA and FDCPA. 

XXXX XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) restricts access to a consumer report to permissible purposes only. Pulling my report without my written consent or a legitimate credit transaction violates this provision.

Story : I never applied for credit with XXXX XXXX on or around this date. This hard inquiry was performed without my knowledge, lowering my credit score and violating my privacy. This act constitutes an impermissible pull and must be removed immediately. 

XXXX XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) permits inquiries only with consumer consent or for a transaction initiated by the consumer. Unauthorized access is a breach of my rights.

Story : I did not apply for any credit, loan, or service with XXXX XXXX on this date. This inquiry is unauthorized, has harmed my credit score, and represents misuse of my personal information. 

XXXX XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) strictly limits permissible purposes for pulling a consumer report. 
Story : I have no application or credit relationship with XXXX XXXX. This inquiry was made without consent and has caused measurable harm by lowering my score and suggesting to other creditors that I am seeking excessive credit. 

XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) requires written authorization or an existing credit transaction. 
Story : XXXX accessed my credit file without authorization or permissible purpose. This has negatively impacted my score and violated my privacy rights. 

XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) allows access only for legitimate purposes initiated by the consumer.

Story : I have not engaged with XXXX in any way that would justify this inquiry. This is an impermissible pull, lowering my score and damaging my credit standing. 
I have already attempted to dispute these inaccuracies directly with the credit reporting agencies, yet they remain on my file. Under FCRA 611, if the information can not be verified within 30 days, it must be deleted. The continued reporting of this unverifiable and unauthorized information is willful non-compliance, making the furnishers and CRAs liable for statutory and actual damages under FCRA 616 and 617.

I am requesting that the CFPB open a formal investigation into these violations, compel the credit bureaus and furnishers to provide documented proof of accuracy, and order the immediate deletion of the disputed addresses, account, and inquiries from my credit file. If verification can not be produced, deletion is required by law.

Enclosed are copies of my disputes, responses received ( if any ), and a copy of my government-issued identification to confirm my identity.

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 explanation