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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) involving incorrect address reporting, a charge-off, late payment reporting during hardship, and an unauthorized inquiry. These inaccurate items continue to remain on my credit report, despite previous attempts to correct them. These errors are severely affecting my financial stability and reputation. 
Below are the specific items I am disputing, along with the facts, applicable FCRA laws, and supporting context : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : I have never lived at or been associated with this address. This is not my current or previous residence, and it is appearing on my credit report inaccurately.

Law : Under the FCRA Section 605 ( b ), credit reporting agencies are required to maintain accurate identification information. Reporting an address I have never lived at is a direct violation of this law.

Story : This address was added to my credit profile without my knowledge or consent. I suspect this is due to mixed files or identity confusion. This incorrect address puts me at risk of identity theft and misrepresentation, and it creates complications when applying for housing or credit. It is frustrating and damaging to have to constantly explain an address I have no connection with. I request immediate deletion of this address from my credit file. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : I have never resided at this location and have no affiliation with this address whatsoever. 
Law : FCRA Section 609 ( c ) ( 1 ) ( A ) guarantees the right to accurate personal information. Including an unrelated address violates this section.

Story : This address is entirely unfamiliar to me. It is extremely XXXX  to know that false identifying information is being circulated under my name. I have been denied housing due to suspicion arising from incorrect address history. I fear that this information may be linked to someone elses account or application. Please investigate and permanently remove this false address from my report. 
XXXX XXXX XX/XX/year>2025 Issue : This inquiry was made without my authorization. I did not apply for credit from XXXX XXXX XXXX on this date. 
Law : Under FCRA Section 604 ( a ) ( 2 ), a credit inquiry must be authorized by the consumer. This unauthorized hard inquiry violates my consumer rights.

Story : I noticed this hard inquiry on my credit report and was shocked. I never submitted a credit application to XXXX around this date. This raises serious concerns of possible identity theft or mistaken reporting. This unauthorized inquiry lowered my credit score and created unwarranted suspicion during other credit checks. I demand immediate removal of this unauthorized inquiry from my credit report and request an investigation into how and why this inquiry occurred. 
Summary & Relief Sought : These incorrect items are in violation of the Fair Credit Reporting Act. I respectfully request the CFPB to investigate these accounts, addresses, and inquiry, and require the credit bureaus and data furnishers to : Immediately delete both incorrect addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Remove the XXXX XXXX  charge-off due to hardship and lack of validation. 
Remove or correct the late payments on the XXXX XXXX account due to miscommunication and documented hardship. 
Remove the unauthorized inquiry from XXXX.

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