Consumer complaint received 2025-07-29 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: WI

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies and/or the entities that are furnishing inaccurate and unauthorized information on my credit report. I am a victim of repeated violations of the Fair Credit Reporting Act ( FCRA ), including the inclusion of false addresses and unauthorized hard inquiries which are causing significant financial and personal harm. 
Below is a breakdown of each disputed item, along with the associated legal violation and the real-world impact it has had on my life : XXXX XXXX XXXX, XXXX, WI XXXX WRONG ADDRESS This address is inaccurately listed on my credit report. I have never resided at or had any association with this location. Including incorrect personal information on a credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 602 ( a ), which ensures accurate and fair credit reporting. 
Issue : This address is harming my identity record and creating confusion with unrelated third-party data. 
Request : Please immediately remove this address from my credit profile. 
XXXX XXXX AV, XXXX, WI XXXX WRONG ADDRESS This address is incorrectly reported under my personal identifying information. I have no lease, utility record, or documented presence at this location. 
Violation : As stated under FCRA Section 609 ( c ) ( 2 ) ( A ), I have the right to dispute incomplete or inaccurate information.

Issue : This mistake may link my profile to accounts or inquiries unrelated to me, damaging my creditworthiness. 
Request : Please delete this address from all three bureaus without delay. 
XXXX XXXX XXXX HARD INQUIRY DATED XX/XX/year> Issue : This inquiry was not initiated or approved by me. I have not applied for any credit with XXXX XXXX XXXXXXXX during this time.

Legal Basis : The FCRA Section 604 ( a ) strictly protects consumers from unauthorized credit access.

Impact : This inquiry lowered my credit score and may influence lenders risk assessments based on an inaccurate activity record. 
Request : Conduct a reinvestigation under FCRA guidelines and remove this inquiry.

These repeated violations reflect a systemic failure to safeguard and verify consumer identity. The presence of unauthorized and inaccurate information is causing me financial loss, stress, and loss of access to essential services. I have already submitted direct disputes to the credit bureaus and have not received adequate resolution.

I am requesting the CFPBs assistance in : 1. Enforcing removal of the incorrect addresses and unauthorized inquiries. 
2. Holding the reporting agencies and data furnishers accountable under federal law.

3. Ensuring compliance with FCRA to prevent recurrence of these issues.

Please consider this complaint urgent due to the continuing damage to my personal and financial well-being.

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