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: MI

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against the credit reporting agencies and data furnishers for knowingly and repeatedly reporting inaccurate addresses and allowing unauthorized credit inquiries on my credit file. These acts are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused me serious financial harm, emotional distress, and have jeopardized my ability to secure housing, credit, and employment. 
Below I have listed each disputed item along with detailed explanation, impact, and corresponding law violated : XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS I have never lived at this address, have no relationship to this location, and it has no connection to my identity or financial history. Its presence on my credit report is an example of mixed file or third-party data contamination. Under FCRA 607 ( b ), the credit bureau is responsible for maintaining the accuracy of consumer information, and reporting an address I have no affiliation with is a gross violation of that obligation. This address may be contributing to the merging of accounts or triggering collection notices incorrectly tied to my name. I have previously submitted proof of my correct residence and ID. I demand immediate deletion of this address from my report. Continued reporting violates FCRA 616 and 617, which hold furnishers and CRAs liable for negligent and willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS This address has never been associated with me, and its listing on my credit file is both damaging and erroneous. I suspect this may be due to a file merge error or identity confusion. According to FCRA 605 ( b ), any information that can not be verified must be deleted. The continued appearance of this address despite prior disputes shows a failure of proper reinvestigation in violation of FCRA 611. This has caused confusion with lenders, incorrect mail delivery, and has created hurdles in housing applications and employment screenings. I demand this address be deleted and all records referencing it be purged. 
XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY I did not authorize this company to perform a credit inquiry on my file. I never submitted a credit application or gave permission to XXXX to access my credit report. Under FCRA 604 ( a ) ( 3 ), access to a credit file must be legally permissible and consumer-initiated. This inquiry was unauthorized, damaging to my score, and represents a breach of privacy. I demand removal of this inquiry from all bureaus and request the full method of verification used to justify this access under FCRA 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ). 
XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY I did not grant authorization to XXXX for any credit inquiry. This action was performed without consumer permission and without a permissible purpose, in direct violation of FCRA 604 ( a ) ( 3 ). My financial records have been accessed inappropriately, and I am demanding an immediate deletion and full disclosure of how this inquiry was certified as valid. If no written proof is provided, I expect removal without further delay. 
XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY I never requested or authorized a credit transaction with XXXX. I did not engage in any dealings with them, and I did not provide consent for any credit pull. Under FCRA 604, unauthorized access is a serious violation. This inquiry may be the result of dealer fraud, identity error, or database cross-matching. I am demanding permanent removal and a full reinvestigation. Any refusal will lead to a formal complaint filed with the CFPB and FTC. 
XXXX XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY This appears to be a duplicate or related inquiry to the one above, but again, I never approved any transaction or application. This inquiry was made in error or without proper authorization, which violates my consumer rights under FCRA 604 ( a ). I demand its immediate deletion and request supporting documentation. If this can not be verified, it must be removed as required by FCRA 611 ( a ).

REQUEST FOR CFPB ACTION The ongoing reporting of wrong addresses and unauthorized inquiries clearly violates multiple sections of the FCRA including 604, 607, 609, 611, 616, and 617. Despite numerous disputes and documented identity proofs, the credit reporting agencies and data furnishers have failed to take corrective action. This reflects willful negligence and systemic noncompliance. These errors are not only harming my financial standing but are also causing extreme emotional distress, financial exclusion, and reputational harm.

I am requesting the CFPB to : 1. Investigate all listed inaccuracies 2. Enforce immediate deletion of wrong addresses and inquiries 3. Require the furnishers and CRAs to provide documented verification for each item 4. Hold the parties accountable under applicable law for negligent or willful noncompliance 5. Monitor for further unauthorized access and mixed file activity

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