Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because inaccurate and harmful information continues to appear on my credit report despite my efforts to dispute it directly with the credit reporting agencies. This is my second attempt to resolve these issues, and they remain uncorrected. The ongoing reporting of false addresses, unauthorized inquiries, and inaccurate late payments is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
Below is a breakdown of the specific items I am disputing : XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : I have never lived at this address and have no association with it whatsoever Law : FCRA 1681e ( b ), which mandates credit reporting agencies to maintain maximum possible accuracy, and FCRA 1681c regarding the exclusion of inaccurate or obsolete information Story : This address appeared on my report without my knowledge or consent. I suspect it may be the result of file merging or identity confusion. Because of this false address, Ive experienced rejections for rental applications and been subjected to questions regarding residency fraud. I never signed a lease or had utility bills tied to this address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This is not and never was my residential or mailing address Law : FCRA 1681i ( a ) mandates that consumer reporting agencies reinvestigate disputed information, and 1681s-2 obligates furnishers to report correct data Story : The listing of this address damages my personal identity and misrepresents my credit profile. Ive had lenders request verification of residency at this address, which I can not provide because I have no connection to it. This false address is creating confusion and affecting my credit-based identity XXXX XXXX  XXXX Inquiry Dated : XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) permits credit inquiries only with permissible purpose and consumer authorization Story : I never applied for any XXXX XXXX XXXX service on or around this date. This may be the result of someone using my identity or an internal mistake. This inquiry has unfairly damaged my credit score and was done without my consent XXXX Inquiry Dated : XX/XX/XXXX Issue : Unauthorized inquiry damaging my credit Law : FCRA 604 and 609 provide the right to know the origin and nature of inquiries Story : I did not apply for any XXXX XXXX or XXXX XXXX account around this date. I believe this was unauthorized or the result of mixed files. This inquiry is unlawful, and I request its deletion to prevent further harm Requested Resolution : Immediate investigation into these inaccuracies Permanent deletion of all incorrect addresses Deletion or correction of the disputed account information unless fully verified with documentation Deletion of all unauthorized or unverified hard inquiries Sanctions or enforcement action against parties found to be in willful noncompliance I am attaching my detailed dispute letter and identification to support this complaint. Thank you for your assistance in holding the data furnishers and credit bureaus accountable.

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