Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As someone who takes my financial reputation and credit profile very seriously, I make it a priority to ensure that all information reported under my name is accurate, verifiable, and up-to-date. I regularly monitor my credit, and I have disputed past errors and had them properly removed. Ive attached a current copy of my credit report to support this complaint it clearly shows that Ive maintained a clean and accurate file across the board. Thats why I am deeply concerned and frustrated to find multiple addresses currently being reported under both TransUnion and Experian that I have never lived at, never used, and never associated with any financial or personal activity. 

These addresses are not only inaccurate they are completely unverifiable, outdated, and irrelevant to my identity. Their continued presence on my credit file raises questions about the quality of data TransUnion and Experian are maintaining, and it poses real risks to the integrity of my credit history. I did not authorize these addresses to be linked to me. I did not submit them on any application. I have never received mail at these locations, nor have I lived at, rented, or used them in any capacity. 

I discovered these errors while reviewing my credit monitoring dashboard, and they are deeply concerning. Ive worked hard to protect my credit and ensure that no red flags appear in my personal profile. The fact that these addresses have been allowed to linger in my file for years in some cases, over a decade without being verified or removed, is unacceptable. 

The following inaccurate addresses are currently being reported by TransUnion, none of which have any valid connection to me : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XXXX XX/XX/XXXX I have never lived at any of these locations, never used them on any form of identification or credit application, and never conducted any financial activity tied to them. Their continued publication in my credit report is not just irresponsible it is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681e ( b ), both Experian and TransUnion are required to maintain only the maximum possible accuracy of the information they report. Further, 15 U.S.C. 1681i requires them to conduct a lawful reinvestigation when a consumer disputes inaccurate or unverifiable data. To date, neither bureau has provided any documentation confirming a legitimate link between me and these addresses. Without such proof, there is no justification for these records to remain on my 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