Consumer complaint received 2025-07-30 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 Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address I have never lived at this address nor is it associated with any legitimate credit application I have made Additional Issue : This address may be connected to a fraudulent or mixed file identity, impacting my report with unrelated accounts FCRA Violation : Section 607 ( b ) Accuracy | Section 605B Fraudulent Information Reporting unverifiable or mixed identity data violates the FCRAs duty to ensure maximum accuracy Instruction : Remove this address from my report immediately and confirm deletion in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Wrong Address This address has no relation to my identity or credit history and may be the result of a file merge or incorrect reporting Additional Issue : This error is impacting my score and triggering unauthorized associations with other negative accounts FCRA Violation : Section 607 ( b ) | Section 602A Fair Credit Rights My right to a fair and accurate report is violated by this persistent false address Instruction : Delete this address and conduct a thorough reinvestigation of all addresses linked to my report XXXX XX/XX/year> | Issue : Unauthorized Hard Inquiry I did not authorize any credit inquiry with XXXX XXXX  on this date and was not applying for credit Additional Issue : This hard pull lowered my score without consent and may be linked to third-party unauthorized applications FCRA Violation : Section 604 ( a ) ( 3 ) Permissible Purpose Required Accessing a consumer report without consent or permissible purpose is illegal Instruction : Delete this hard inquiry and provide a written confirmation with explanation of how it was verified XXXX XXXX XXXXXX/XX/year> | Issue : Unauthorized Hard Inquiry No application, communication, or business relationship exists between me and XXXX XXXX  Additional Issue : I believe this may be related to identity theft or third-party data sharing without consent FCRA Violation : Section 604 ( a ) ( 3 ) | Section 605B Identity Theft Claims No proof of authorization has been presented and therefore this inquiry is not compliant with the law Instruction : Immediately delete this inquiry and notify me if it has been blocked or frozen I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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