Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
Dear CFPB, I am submitting this complaint to formally report multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and related federal protections regarding inaccurate reporting, unverified personal information, and unauthorized inquiries appearing in my credit reports with major credit bureaus. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived, rented, owned, or received mail at this address. It has no association with my identity.

Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy ; FCRA 1681i ( a ) Requires prompt deletion of unverifiable data.

Story : This wrong address creates a false narrative in my credit profile that could mislead lenders into believing I have unstable residence history or that I have engaged in activities tied to that location. Such an error can cause automated systems to flag my file for fraud alerts or increase my credit risk rating, leading to higher interest rates, denials of applications, and reputational damage. I have been forced to spend time and resources addressing potential fraud concerns caused solely by your failure to remove unverifiable data. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : No personal, legal, or financial connection exists with this address.

Law : FCRA 1681i ( a ).

Story : This false listing creates the appearance that I may have had prior obligations or accounts tied to this property. If any negative credit history is associated with the real occupant of this address, it can be mistakenly linked to me. This puts me at risk of being unfairly associated with debt or delinquency that is not mine. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} Late Payment Issue : Late payment reporting is inaccurate and unverified. 
Law : FCRA 1681s-2 ( a ).

Story : This alleged delinquency is not supported by my payment records. False late payment data directly impacts my credit score, creates a history of financial irresponsibility that is untrue, and causes unnecessary emotional distress and financial loss when creditors reject applications. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2400.00} Late Payment Issue : The reported delinquency is false and unverifiable.

Law : FCRA 1681s-2 ( a ).

Story : This negative entry misrepresents my payment habits, which can lead to higher borrowing costs, denial of credit, and loss of business opportunities. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Late Payment Issue : Inaccurate reporting without evidence. 
Law : FCRA 1681s-2 ( a ).

Story : An unjustified late payment can cause lenders to label me as a high-risk borrower, resulting in severe financial harm and mental anguish. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : This hard inquiry was made without my knowledge or consent.

Law : FCRA 1681b ( f ) prohibits accessing a consumer report without a permissible pur
pose.

Story : An unauthorized inquiry damages my credit score and creates a misleading profile suggesting I am aggressively seeking credit when I am not. This can result in reduced approval chances and higher interest rates. I never applied for credit with XXXXXXXX XXXX on the reported date. 
XXXX XXXXXX/XX/XXXX XXXXnquiry Issue : No permissible purpose for this inquiry exists.

Law : FCRA 1681b ( a ).

Story : This inquiry suggests unauthorized access to my personal data. If left unresolved, it can be used by identity thieves to open fraudulent accounts, causing lasting financial harm. 
XXXX XX/XX/XXXX Inquiry Issue : Inquiry not authorized by me.

Law : FCRA 1681b.

Story : This damages my credit
profile by increasing the number of hard pulls, which lenders may interpret as financial instability or desperation for credit. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : No credit application was made with this lender.

Law : FCRA 1681b.

Story : This false inquiry could wrongly suggest I am in the market for auto financing, which can negatively influence mortgage or personal loan applications. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry without my consent.

Law : FCRA 1681b ( f ).

Story : Each hard inquiry lowers my score and sends an inaccurate signal to potential lenders about my borrowing behavior. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : No application was submitted to this dealer.

Law : FCRA 1681b.

Story : This may have occurred due to data sharing without consent, which is unacceptable and harmful to my financial reputation. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : No permissible purpose ; not authorized.

Law : FCRA 1681b ( a ). 
Story : Incorrect inquiries reduce my score and can delay or deny legitimate financing opportunities. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : No account request or application submitted.

Law : FCRA 1681b.

Story : This unauthorized pull of my credit file is an invasion of privacy and a violation of federal law. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry not authorized by me.

Law : FCRA 1681b ( f ).

Story : This false inquiry misrepresents my financial activity and damages my profile with lenders. 
XXXX XX/XX/XXXX Inquiry Issue : No application submitted to this entity.

Law : FCRA 1681b. 
Story : Unlawful inquiries can indicate fraudulent attempts to open accounts in my name. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : FCRA 1681b ( a ).

Story : This harms my creditworthiness and could be the result of data mishandling. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Not authorized by me.

Law : FCRA 1681b.

Story : Such inquiries without consent can trigger fraud alerts and reduce my score. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No permissible purpose exists for this inquiry.

Law : FCRA 1681b ( f ). 
Story : False hard inquiries are misleading to future creditors and damaging to my borrowing potential. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Not consented to by me.

Law : FCRA 1681b. 
Story : Lenders seeing multiple unauthorized pulls may deny applications based on perceived risk. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry made without my consent. 
Law : FCRA 1681b ( a ).

Story : Unverified inquiries create a false credit-seeking pattern that negatively impacts my score. 
REQUEST FOR CFPB INTERVENTION I have disputed these items directly with the credit bureaus and have not received proper resolution as required by law. The bureaus and furnishers have failed to provide documented evidence supporting these entries, yet continue to report them. This is a direct violation of FCRA 1681e ( b ) and 1681i ( a ), and I request the CFPB to : 1. Investigate the credit bureaus and furnishers involved.

2. Require the immediate deletion of all unverifiable addresses, accounts, and inquiries. 
XXXX. Ensure compliance with all provisions of the FCRA and applicable regulations.

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