Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
WRONG ADDRESSES ( NOT MINE ) XXXX XXXX XXXX XXXX XXXX XXXX Issue : This address is completely unfamiliar to me. I have never resided, worked, or received mail at this location. Its presence on my credit report is both suspicious and harmful. 
Law Violated : Under FCRA 607 ( b ) and 609 ( c ) ( 2 ), the credit reporting agency must ensure the accuracy of the information and provide only verified consumer identity data.

My Story : I discovered this address after being denied credit. I never had any personal, rental, or financial connection with this location. Its continued presence raises concern of a mixed file or potential identity theft, causing damage to my reputation and credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This address is not mine and has no association with my life or history. 
Law Violated : FCRA 605 ( b ) prohibits the inclusion of unverifiable or false information in consumer reports. 
My Story : Ive never been to XXXX, XXXX, yet this address is being listed as part of my credit file. This misreporting is affecting my creditworthiness and reflecting activities I was never part of. 
ACCOUNTS WITH INACCURATE DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$550000.00} | Date Opened : XX/XX/XXXX * * Issue : Late payment reported inaccurately. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate and complete data. 
My Story : This account is extremely high in balance and Ive never received any statement, communication, or billing from XXXX. This has to be either a fraudulent account or an error due to mixed files. I was shocked to see such a large balance associated with me, and I am terrified of the consequences this error could cause from loan denials to legal action for debts I do not owe. 
XXXX XXXX XXXX XXXX Acct # XXXX | High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Issue : Late payments reported without valid notification or proof. 
Law Violated : FCRA 607 ( b ), and Fair Debt Collection Practices Act ( FDCPA ) 807 prohibiting false or misleading representations.

My Story : I do not recall having an open auto loan with XXXX in that time period. I received no bill, no contract, and no documentation. Despite this, late payments are tarnishing my credit score. I believe this could be tied to the wrong addresses listed on my report, and I feel like my identity has been misused or mixed. 

UNAUTHORIZED / SUSPICIOUS INQUIRIES XXXX XX/XX/XXXX Issue : Repeated inquiry with no trigger from my side. 
Law Violated : FCRA 605A Procedures for blocking fraudulent information.

My Story : Im beginning to feel harassed by unauthorized inquiries. I never gave anyone permission, yet this entity accessed my file, lowering my score and putting my privacy at risk.

I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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