Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint for reporting inaccurate personal information and multiple unauthorized inquiries on my credit report, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
The following information is incorrect and should be removed from my file as it does not belong to me or has been reported in error : Incorrect Personal Information ( Wrong Addresses ) : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address XXXXXXXX XXXX XXXX, GA XXXX Wrong Address These addresses are not connected to me in any capacity. I have never lived, received mail, or conducted business at these addresses. Keeping such false information can compromise the accuracy of my credit report and expose me to identity-related issues. Under FCRA XXXX, I demand these addresses be permanently deleted from my file. 
Unverified and Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry These inquiries are unauthorized and unverified. I have never given permission, verbally or in writing, to any of these companies to access my credit file. According to FCRA Section 604 ( a ) ( 2 ), a credit bureau may only release consumer information when a permissible purpose exists, and in these cases, none did. These inquiries appear to have been made without my consent, and as such, they are a violation of federal law and a breach of my privacy rights.

I have already sent a formal written dispute letter demanding verification, correction, or removal of these unauthorized inquiries and wrong personal addresses. However, XXXX has failed to take any corrective action or provide sufficient documentation proving that these inquiries were made with my consent. This inaction violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ) which prohibit reporting inaccurate information after notice of dispute.

This ongoing negligence is affecting my creditworthiness, causing financial stress, and damaging my personal and professional credibility. Their failure to maintain accurate information and to verify disputed records shows a clear disregard for the legal obligations set forth by federal law. 
Therefore, I am requesting the CFPB to investigate and take the following actions : XXXX. Require XXXX to delete the incorrect addresses from my credit file. 
XXXX. Require XXXX  to remove all unverified and unauthorized inquiries listed above. 
XXXX. Ensure XXXX provides proof of permissible purpose and authorization for every inquiry under FCRA 609 ( a ) ( 1 ).

4. Impose penalties for noncompliance and ensure compliance with federal consumer protection laws. 
I am attaching a copy of my government-issued ID and proof of current address to verify my identity and confirm that none of the disputed addresses belong to me. 
Thank you for your attention and for protecting consumers from unfair reporting practices. I respectfully request a thorough investigation and a written response regarding this complaint.

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