Consumer complaint received 2025-10-24 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) for their failure to maintain accurate information on my credit file and for allowing unauthorized hard inquiries to appear without my consent. Despite my best efforts to protect my personal and financial information, my credit report continues to display incorrect addresses and unauthorized credit pulls that I never approved.

These violations are directly affecting my credit score, financial reputation, and peace of mind. The credit bureaus have failed in their duty under FCRA Section 607 ( b ) to ensure maximum possible accuracy in the information they report. Furthermore, these unauthorized inquiries are a clear violation of FCRA Section 604 ( a ), which prohibits any credit access without a permissible purpose or written authorization.

WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Wrong Address I have never lived, used, or been associated with these addresses in any way. These are not my residences, and their presence on my credit file creates confusion and potential identity theft concerns. It is alarming to see addresses that are completely unfamiliar to me. I request an immediate and thorough investigation into how these addresses were added and demand their permanent removal from my report. 
UNAUTHORIZED/HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I am disputing these inquiries because I never authorized, applied for, or gave consent to any of these companies to access my credit report. These inquiries are false, unauthorized, and damaging to my credit score. Each of these inquiries appears without my knowledge or permission, which is a direct violation of my privacy rights under the FCRA ( 15 U.S.C. 1681b ). No valid application or signed consent form exists to justify these credit pulls. Therefore, these inquiries must be deleted from my report immediately.

This situation has caused me considerable distress, as inaccurate reporting can affect my eligibility for loans, housing, and employment opportunities. I take my credit profile very seriously, and I expect your office to fulfill its legal duty to maintain accurate and verifiable information. Please conduct a full reinvestigation of the above items and provide me with a written confirmation of your findings.

If the disputed items can not be verified with proper documentation from the data furnishers within 30 days, they must be deleted from my report immediately as required by the FCRA.

LEGAL GROUNDS & REQUEST FOR ACTION : Under the Fair Credit Reporting Act, I have the right to accurate reporting and protection against unauthorized access. The bureaus have not only failed to maintain accuracy but have also refused to verify the legitimacy of these items when disputed.

I request the CFPB to conduct a full investigation into : Why incorrect addresses continue to appear on my report despite being clearly false.

Why unauthorized inquiries were allowed without my written permission or application.

Why the credit bureaus have failed to remove unverifiable data even after being notified.

These actions violate FCRA Sections 604, 607, and 611, which require that only verified and authorized information be reported, and that unverifiable data be promptly deleted after a dispute.

Requested Resolution : Immediate deletion of all wrong addresses listed above.

Immediate deletion of all unauthorized hard inquiries.

Confirmation in writing from each bureau that these items have been removed.

Assurance that preventive measures are taken to stop future unauthorized activity on my credit file.

The continuous reporting of false and unverified information is damaging my financial integrity and causing emotional distress. I request that this matter be escalated and resolved immediately, with proper accountability from the credit bureaus involved.

Thank you for your time and attention. I look forward to your assistance in ensuring these serious FCRA violations are corrected.

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