Consumer complaint received 2025-09-03 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 with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate addresses and unauthorized inquiries on my credit report, which are severely harming my creditworthiness and financial standing. This complaint is submitted under 15 U.S.C. 1681i ( Fair Credit Reporting Act, FCRA ) and 15 U.S.C. 1681e ( b ), which require consumer reporting agencies to maintain accurate and complete information on credit reports. I request a full investigation and immediate correction of these errors. 

Address : XXXX XXXX XXXX XXXX, FL XXXX This address has never been associated with me in any capacityresidential, mailing, or financial. Reporting this incorrect address misrepresents my personal history and can mislead creditors into believing I have resided at a location I have never occupied. Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of all information in my file. The continued presence of this false address indicates a failure to verify and maintain accurate information. Reporting an address that does not belong to me can lead to misdirected credit offers, increased risk of identity theft, and confusion in my credit applications. Each instance where this address appeared on my report has already caused delays in approval of loans, credit cards, and other financial services. Its continued reporting constitutes a violation of my rights under FCRA, and I demand immediate deletion unless verifiable proof exists that this address is legitimately mine. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is entirely inaccurate and has no association with me. Including this false address on my credit report misleads creditors, harms my reputation, and can impact lending decisions by suggesting I maintain additional residences or obligations that I do not. FCRA 1681e ( b ) requires that CRAs follow reasonable procedures to ensure accuracy. The failure to remove this address after prior disputes demonstrates repeated noncompliance with federal requirements and negligence in handling my personal information. Continued reporting of this incorrect address exposes me to risks including identity verification issues, misdirected correspondence, and wrongful assumptions about my residence history. I demand immediate reinvestigation and deletion of this item unless proper proof of my residence can be provided. 

Inquiry : XXXX - XX/XX/year> I did not provide authorization for SYNCB to access my credit report on this date. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ), a credit report can only be accessed for a permissible purpose such as an application initiated by me, a court order, or a legitimate business need with my consent. Because I never applied for credit or gave authorization, this inquiry is unauthorized and illegal. Unauthorized hard inquiries reduce my credit score, misrepresent my credit-seeking behavior, and create the false appearance that I am actively taking on new credit, which can cause lenders to deny applications or offer less favorable terms. Repeated attempts to dispute this inquiry have not resulted in its removal, which further violates FCRA 611 ( 15 U.S.C. 1681i ), obligating CRAs to conduct reasonable reinvestigations and delete unverifiable information. I request immediate removal and a written confirmation of the deletion. 

Inquiry : XXXX XXXX - XX/XX/year> I did not authorize XXXX XXXX to perform a hard pull of my credit report on this date. FCRA 604 ( a ) mandates that any access to my credit report must be based on a permissible purpose, yet no documentation or evidence of my consent exists. Unauthorized inquiries artificially lower my credit score and negatively influence lending decisions, creating financial harm that is entirely avoidable. Continuing to report this inquiry without verification demonstrates negligence and failure to comply with federal law. The reporting of this inquiry also violates FCRA 609 ( 15 U.S.C. 1681g ), as I have the right to know the source and purpose of all inquiries, yet no such verification has been provided. Immediate removal is required, as repeated reporting constitutes a legal violation.

I request that the CFPB and the relevant credit reporting agencies fully investigate and correct all inaccurate addresses and unauthorized inquiries listed above under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). These errors are materially affecting my creditworthiness and financial standing. I urge the CFPB to take this complaint seriously and ensure all corrections are made promptly to protect my rights and restore the accuracy of my credit report.

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