Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit report that are causing severe financial, emotional, and reputational harm. The reporting agencies and financial institutions listed below have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) ( duty to ensure maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate disputed information ), 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ), and 604 ( a ) ( 3 ) ( unauthorized inquiries ). I demand immediate investigation, correction, and removal of these inaccuracies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Issue : Wrong Address Story : I have never lived at this address. Its reporting has caused lenders to flag my applications for additional verification, delaying loan approvals and credit line increases. I have had to spend hours providing proof of my actual residence, resulting in lost opportunities and wasted time. This false address has led to embarrassment when questioned by landlords and financial institutions. Reporting false addresses violates 1681e ( b ) and failure to reinvestigate may constitute willful noncompliance under 1681n. Immediate removal and written confirmation are required.

XXXX XXXX AV XXXX, FL XXXX Issue : Wrong Address Story : I have never lived at this property. Its reporting has caused loan application delays, repeated inquiries from creditors, and unnecessary verification burdens. The reporting agencys failure to maintain accurate information violates 1681e ( b ), and failure to reinvestigate disputed items violates 1681i ( a ). This false information is materially harming my financial life and creating significant emotional distress. Immediate deletion and written confirmation are demanded. 
XXXX XXXX XX/XX/year> Issue : Unauthorized Inquiry Story : This inquiry was not authorized by me. Reporting it constitutes a violation of 604 ( a ) ( 3 ) and failure to maintain accurate information under 1681e ( b ). It is causing tangible financial harm, repeated verification requests, and emotional distress. Immediate deletion and written confirmation are required. 
XXXXction Requested : I demand immediate investigation and deletion of all inaccurate addresses and unauthorized inquiries listed above. Each inaccuracy is causing real-world financial loss, reputational harm, and emotional distress. Continued reporting of these items may constitute willful or negligent violation of FCRA 1681n/o and may subject the reporting agencies and financial institutions to legal liability and monetary damages. I also demand that any credit decisions influenced by these inaccuracies be corrected and that I am notified of all steps taken to prevent further harm.

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