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: NC

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. 
XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Issue : This address is not mine and has never been associated with me in any capacity. I have never lived, received mail, nor had any form of residency at this location. 
Law Violated : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of consumer reports. 
Statement : The reporting of this address is a clear violation of my privacy and creates confusion about my identity, putting me at risk for fraud and misidentification. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : I have no association with this XXXX XXXX address. I have never used this address for any financial, personal, or business activity. 
Law Violated : This inaccurate data constitutes a violation of FCRA Section 1681c, which states that obsolete or incorrect addresses must not be included. 
Statement : The presence of this address gives a false narrative of my residence history and directly impacts my credibility with lenders and agencies. 
XXXX Account # XXXX XXXX XXXX | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX XXXX XXXX  Issue : This account appears to be a duplicate entry of the above account and also reports false late payments. 
Law Violated : Reporting the same delinquent account twice is not only misleading but also a violation under FCRA and constitutes double jeopardy in consumer reporting. 
Statement : This duplicate entry artificially increases the appearance of financial irresponsibility. It is deceptive and unfairly magnifies negative data on my report. 
XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry. I did not apply for credit with XXXX  on or around this date. 
Law Violated : Under FCRA 604, a consumers credit report may only be accessed with permissible purpose. Unauthorized inquiries are considered violations. 
Statement : This inquiry has lowered my credit score unnecessarily and was made without my consent. This is a breach of my privacy. 
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