Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to my consumer credit file. I am a victim of false address reporting, unauthorized hard inquiries, and inaccurate account reporting by furnishers and credit bureaus. These actions have severely damaged my credit standing and caused significant hardship in my personal and financial life. 
I have never authorized many of the items currently appearing on my credit reports, and despite my prior efforts to resolve these issues, they remain unresolved. This letter supplements a prior complaint that is still under review by the CFPB. 
Below are the details of each disputed item : WRONG ADDRESSES XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX Issue : I have never lived at this address, nor do I have any connection to it. It was placed on my credit report without my knowledge or consent. 
Law : Under FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to accurate information in my file. Reporting this address violates my right to fair and accurate reporting. 
Story : Due to the appearance of this unfamiliar address, I have been flagged for potential fraud, leading to denials in credit applications. This is particularly distressing as it creates confusion and a false impression of residency. I believe this may be tied to unauthorized use of my personal information by a third party.

XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX Issue : Another false address linked to my file without any relationship to me. 
Law : Under FCRA Section 605, credit bureaus must not include inaccurate or unverifiable addresses.

Story : Ive never rented, owned, or resided here. The inclusion of this address further complicates my credit profile and exposes a potential loophole being used to apply for credit using my name fraudulently. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$970.00} Status : Collection * * Issue : I never received any communication or validation notice about this debt. 
Law : Under the FDCPA Section 809 ( 15 U.S.C. 1692g ), debt collectors must notify and allow 30 days to dispute a debt. This was not done.

Story : This collection was reported without any prior notice. I believe it is either a result of identity theft or re-aged debt. My rights to validate this debt were completely bypassed, and now I am left with a collection that is both harmful and inaccurate.

HARD INQUIRIES ( Unauthorized ) All of the following inquiries occurred without my consent, authorization, or application, and therefore violate the FCRA Section 604 ( a ) ( 3 ) which outlines that a permissible purpose is required for a hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Story : I did not visit or apply at XXXX XXXX. This inquiry was unauthorized and could indicate someone attempting to use my identity to apply for auto financing. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Story : I have multiple inquiries from XXXX  XXXX which I never initiated. These repetitive and unauthorized pulls suggest misuse of my personal data. 
XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX Story : I never gave permission to this lender to access my credit. I have no relationship with them. 
XXXXXXXX XXXX XXXX  Story : Another auto dealer pulling my credit without authorization. I never applied for credit with them. 
RELIEF REQUESTED I respectfully request the CFPB to : 1. Investigate the unauthorized credit inquiries and require the furnishers to prove permissible purpose.

2. Direct the credit bureaus to delete the inaccurate addresses, inquiries, and account records if the furnishers can not provide proper validation.

3. Hold furnishers accountable for violations of FCRA and FDCPA, including possible fines and corrective action.

4. Provide written confirmation to me once the records have been deleted or corrected.

5. Issue appropriate enforcement against repeat violators or data furnishers engaging in systemic neglect. 
These violations are serious, repeated, and harmful, and I am requesting immediate attention to prevent further damage to my financial future. I am happy to provide supporting documentation or identification verification upon request. 
Thank you for your time and assistance.

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