Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
To Whom It May Concern, I am filing this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Consumer Financial Protection Act. I am requesting immediate investigation and correction of the inaccurate and harmful items being reported on my credit file. These errors are damaging my credit profile, causing financial loss, and violating federal law. 
INCORRECT ADDRESSES REPORTED The following addresses are being reported inaccurately and are not associated with me, yet they continue to appear on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX These repeated and inaccurate address listings create confusion, misidentification, and possible mixed-file issues. Under FCRA 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy, and continuing to report these addresses violates that requirement. These false addresses are making it appear as though I am linked to locations and debts that are not mine, which has already caused me embarrassment when questioned during credit applications and has raised suspicions of fraud. This is an unnecessary hardship created by inaccurate reporting. 
XXXX FCU Date : XX/XX/year> | Type : Inquiry This inquiry was made without my consent or permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ). I never authorized XXXX XXXX XXXX XXXX to pull my report. An unauthorized inquiry gives the impression that I was seeking credit that I never applied for, which creates a misleading profile. This has lowered my score and affected the way lenders view my creditworthiness. The presence of unauthorized inquiries raises red flags with creditors, making it harder for me to be approved for loans and causing me emotional stress due to suspicion of identity theft. 
STORY & HARDSHIP The combination of false addresses, an unvalidated collection account, and an unauthorized inquiry has caused me measurable harm. My XXXX XXXX has dropped, I have been denied fair access to credit, and I have faced humiliation when explaining that I never lived at certain addresses or applied for certain accounts. These reporting errors are not minorthey are life-altering. I have suffered emotional distress, financial hardship, and reputational damage due to the negligence of credit reporting agencies and furnishers. 
DEMAND FOR RELIEF Remove all inaccurate addresses immediately. 
Delete the FIRST FEDERAL CREDIT C collection account unless full legal validation is provided. 
Delete the XXXX XXXX unauthorized inquiry. 
Provide written results of the investigation within 30 days as required by FCRA 611 ( 15 U.S.C. 1681i ). 
If these issues are not resolved, I reserve the right to pursue further legal remedies, including claims for statutory damages under FCRA and FDCPA.

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