Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
CFPB COMPLAINT NARRATIVE TransUnion reporting inaccurate addresses What happened : TransUnion continues to list 17 addresses that have no connection to me. I have been a documented victim of identity theft ( FTC affidavit attached ). On multiple occasionsmost recently by certified mail dated \ [ insert ] I asked TransUnion to delete these addresses, yet they remain on my credit disclosure. 

Incorrect addresses still appearing : 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 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 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 I have never resided or received mail at any of these locations. 

Why TransUnions conduct violates the FCRA | FCRA section | Violation | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | 607 ( b ) reasonable procedures/ maximum accuracy | Continuing to list identity-theft addresses with no corroboration. | | 611 ( a ) reinvestigation duty | My written disputes were verified without supplying any documentation ; addresses remain. | | 611 ( a ) ( 6 ) ( B ) ( iii ) method of verification | TransUnion refused to identify the furnishers or data sources for these addresses. | | 605B identity-theft block | After receiving my FTC affidavit , TransUnion must block identity-theft information within 4 business days ; it has not. | Case law : Cortez v. Trans Union, 617 F.3d 688 ( 3d Cir. 2010 ) CRA liable for mis-matched public-record data ; Cushman v. Trans Union , 115 F.3d 220 ( 3d Cir. 1997 ) CRA must do more than parrot its database. 

Harm suffered * Rental denials due to address-mismatch fraud flags.

* Higher insurance quotes.

* Time and expense disputing repeatedly.

* Emotional distress and reputational damage.

Requested relief ( 24-48 hour urgency ) 1. Delete or block all 19 inaccurate addresses from my TransUnion file within 48 hours pursuant to FCRA 605B.

2. Provide a written method-of-verification report for each address ( source name, address, phone, and any documents relied upon ).

3. Supply an updated credit disclosure confirming deletion and notify any subscriber that obtained my file the last six months ( employment two years ) as required by 611 ( d ).

4. Compensate me for statutory and actual damages as the Bureau deems appropriate.

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