Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint against the credit reporting agencies and furnishers for repeatedly violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate addresses, unauthorized inquiries, and unverified accounts on my credit file. These errors are harming my creditworthiness, creating confusion, and increasing my risk of identity theft. Below, I am listing each item in dispute with the related issue, applicable law, and a detailed explanation. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Law : FCRA Section 609 & 611 Consumers have the right to accurate and verifiable information.

Story : This address has been wrongly linked to me. I have never lived at, worked at, or been connected in any capacity with this location. The reporting of this false address creates confusion for lenders, employers, and background checks, damaging my credibility. Wrong addresses also create risks of identity theft because they can connect me to individuals or activities that are completely unrelated to my life. Inaccurate reporting of this address shows negligence in maintaining accurate records and must be deleted immediately to prevent further harm. 
XXXX XXXX, XXXX XXXX, CA XXXX Issue : Wrong Address Law : FCRA Section 607 ( b ) Credit bureaus must maintain maximum possible accuracy.

Story : This address is entirely false and unrelated to me. By including this in my file, the credit bureau has created the impression that I may have lived or conducted financial activity at this location. That is misleading and highly damaging because potential lenders can assume instability in residency history, which directly affects creditworthiness. Under the FCRA, bureaus are required to maintain only verified and correct information. Since this address can not be verified as mine, it must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 No permissible purpose. 
Story : I did not authorize XXXX to access my report. This shows negligence or intentional misuse of my personal information. The repeated reporting of XXXX inquiries demonstrates systemic abuse of consumer credit reports. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 Story : I did not submit any application to the Department of Education that would justify this inquiry. This is harmful to my report and must be deleted immediately. 
FACTUAL DATA Inquiry XX/XX/XXXX Issue : Unauthorized Inquiry ( Duplicate Entries ) Law : FCRA Section 607 ( b ) Maximum accuracy required.

Story : Two inquiries from the same company on the same day are clearly duplicates. This is misleading, as it gives the impression of multiple applications, reducing my credit score. Such duplication shows negligence and must be corrected. 
XXXX XXXX Inquiry XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 Story : I never had dealings with XXXX. Multiple inquiries from the same company at different times with no permissible purpose show repeated abuse of my credit profile. This needs deletion. 
Closing Statement : The repeated reporting of wrong addresses, unauthorized inquiries, and unverified accounts demonstrates systemic non-compliance with the FCRA and FDCPA. These actions are not only inaccurate but also harmful, as they reduce my credit score, restrict my access to fair lending, and increase my exposure to identity theft.

I respectfully request the CFPB to : 1. Conduct a full investigation into the reporting of these items. 
XXXX. Require the credit bureaus and furnishers to provide documented proof of accuracy. 
XXXX. Delete all unverifiable, inaccurate, and unauthorized items from my report immediately. 
If these violations are not corrected, I will have no choice but to seek further legal remedies available under federal law.

Company response to consumer: Closed with non-monetary relief