Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me XXXX XXXX, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : I have never lived at this address. It has no association with me at any point in my life. 
Law : Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), credit reporting agencies are required to maintain accurate and verifiable information.

Story : The presence of this address on my credit file is alarming and suggests possible identity theft or file merging. This false information affects my creditworthiness and could expose me to fraud or mistaken identity. I have no known relatives, employers, or affiliations with this address. 
XXXX XXXX XXXX # XXXX * Late Payments | Date Opened : XX/XX/XXXX | High Balance : {$590.00} Issue : Late payments are reported inaccurately on this account. I have made timely payments, and the dates of delinquency do not match my records. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably believe is inaccurate. 
Story : These false late payment entries have caused my credit score to drop, impacting my ability to qualify for loans and better interest rates. I contacted the creditor, but they failed to provide any verification of the alleged delinquencies. I request an immediate deletion or full validation of these entries. 
XXXX Inquiry | Date : XX/XX/XXXX Issue : Hard inquiry recorded without valid reason. 
Law : FCRA Section 604 ( a ) strictly governs access to credit reports.

Story : I did not seek any credit from XXXX. The inquiry appears fraudulent or erroneously associated with my profile. 
XXXX XXXX Inquiry | Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA requires consumer permission for any inquiry. 
Story : I have no dealings with XXXX XXXX and never gave permission to access my credit. This is damaging my profile and trust in the credit system. 
XXXX Inquiry | Date : XX/XX/XXXX Issue : Inquiry made without permissible purpose. 
Law : FCRA Section 604 ( a ) ( 3 ). 
Story : I was not applying for credit and have never done business with XXXX. This entry needs immediate removal. 
XXXX XXXX  Inquiry | Date : XX/XX/XXXX Issue : Hard inquiry done without authorization. 
Law : Consumer consent is required by FCRA for any inquiry.

Story : I do not recognize this name or lender. I am concerned this may be a case of misattributed credit pull or identity theft. 
FIRST XXXX XXXX XXXX | Date : XX/XX/XXXX Issue : Inquiry not authorized. 
Law : FCRA violation for lack of permissible purpose. 
Story : No credit application was submitted by me for this date or lender. This is a clear example of inaccurate reporting. 
XXXX XXXX  Inquiry | Date : XX/XX/XXXX Issue : Unauthorized hard pull. 
Law : No inquiry should be made without consent under FCRA. 
Story : I did not request or initiate any credit transaction with this entity. The inquiry is unjustified. 
XXXX Inquiry | Date : XX/XX/XXXX Issue : No valid consent provided. 
Law : Violates FCRA 's rules on permissible purpose. 
Story : I have never applied for any XXXX product, making this inquiry a violation of my rights and possibly a result of erroneous data sharing. 
XXXX Inquiry | Date : XX/XX/XXXX Issue : Hard inquiry not initiated by me. 
Law : FCRA mandates all inquiries must have explicit permission. 
Story : I did not authorize this inquiry and have no relationship with this creditor. My data is being mishandled. 
XXXX Inquiry | Date : XX/XX/XXXX Issue : Inquiry appears without my consent. 
Law : Under the FCRA, this constitutes unauthorized access. 
Story : I was not applying for any credit with XXXX. This is suspicious and affecting my credit standing unfairly. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, XXXX XXXX and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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