Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
I am filing this formal complaint against TransUnion for reporting false and inaccurate information on my consumer credit file, including multiple incorrect addresses, unauthorized inquiries, and other serious errors that have significantly impacted my credit reputation and violated multiple consumer protection laws XXXX XXXXXXXX XXXX XXXX, MO XXXX Wrong Address This address is being falsely reported on my credit file even though I have never lived, received mail, nor had any connection with this property. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting this incorrect address has caused confusion in my credit verification processes, and it is damaging my consumer profile Violation : FCRA 607 ( b ) Reasonable Procedures to Ensure Accuracy Violation : FCRA 602 ( a ) Rights to Fair and Accurate Credit Reporting XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX Wrong Address This address is incorrect and should not appear on my credit file. I have no financial or residential association with this address. Its presence creates misleading identification and may cause denials in background checks or credit approvals. TransUnion has failed to ensure the integrity of my credit profile in compliance with federal law Violation : FCRA 605 ( b ) Obsolete or Irrelevant Information Violation : FCRA 611 ( a ) Failure to Reinvestigate Upon Notice of Dispute XXXX XXXX XXXX XXXX, KS XXXX Wrong Address This XXXX XXXX XXXX not associated with me. Including this inaccurate data on my credit file not only compromises my privacy but also raises suspicion of identity confusion or potential fraud. TransUnions failure to verify this address constitutes negligent handling of sensitive consumer data Violation : FCRA 607 ( b ) Violation : FCRA 609 ( a ) ( 1 ) Right to Disclosure of Information XXXX XX/XX/year> Inquiry This hard inquiry by XXXX is unauthorized. I did not apply for credit with XXXX on or around this date, and no permissible purpose existed for accessing my credit file. This inquiry was made without my consent, thus constituting a violation of my privacy under the law Violation : FCRA 604 ( a ) ( 3 ) Permissible Purpose Requirement for Credit Inquiries Violation : FCRA 616 Civil Liability for Willful Noncompliance TransUnion has demonstrated gross negligence and repeated failure in ensuring the accuracy and integrity of my credit report. These false addresses and the unauthorized inquiry not only violate the FCRA but also have caused me emotional distress, increased risk of identity theft, and denial of financial opportunities. As a consumer, I have the right to expect that credit reporting agencies operate with due diligence and accuracy. I am demanding an immediate and full reinvestigation of these issues, complete removal of the inaccurate addresses and inquiry from my report, and confirmation in writing upon completion of these corrections. I further request that CFPB take immediate enforcement action against TransUnion for their reckless mishandling of my credit file

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