Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I am writing to file an urgent complaint as a victim of identity theft and unauthorized credit reporting practices. Despite not initiating, approving, or consenting to several credit activities, my credit report reflects a number of inaccurate addresses, unauthorized hard inquiries, and an account with false derogatory reporting. These entries are severely damaging my credit profile and reputation and were reported without my knowledge or consent. I believe my rights under the Fair Credit Reporting Act ( XXXX  ), the Fair Debt Collection Practices Act ( XXXX  ), and the Identity Theft and Assumption Deterrence Act have been violated. 
XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : Although this address currently appears on my credit report, it is being used fraudulently in association with accounts and inquiries I did not authorize. I am not responsible for the related activities and request it be removed. 
Law : Under FCRA Section XXXX ( c ) ( XXXX ) ( XXXX ), a consumer has the right to block information that resulted from identity theft. 
Story : I believe someone used this address to create or tie fake financial records to my profile. I have never authorized the use of this address in relation to any loan or credit account. As a victim of identity misuse, this address is contributing to a misleading and damaging report. 
XXXX XXXX XXXX  XXXX, IL XXXX Wrong Address Issue : This address is completely unfamiliar to me. I have never resided or conducted any business from this address. 
Law : XXXX XXXX U.S.C. XXXX and XXXX ( a ), furnishers must report accurate information, and consumers have the right to dispute and correct inaccuracies. 
Story : This incorrect address suggests a breach of my personal information, which I suspect has been used to access or open accounts fraudulently. The continued reporting of this location exposes me to financial harm and falsely associates me with debts and inquiries I never initiated. 
XXXX  FIN SVCS Inquiry Date : XX/XX/year> Issue : I have not applied for any services with XXXX Financial Services and did not permit them to pull my credit. 
Law : FCRA XXXX ( a ) & XXXX mandates that consumers be notified and give consent before any hard inquiry is placed. 
Story : I am being repeatedly targeted by auto loan lenders and financial institutions with whom I have XXXX relationship. These unauthorized inquiries affect my credit score, misrepresent my financial behavior, and are further proof that my identity has been misused by unknown parties. 
These fraudulent addresses, false late payments, and unauthorized inquiries are severely impacting my creditworthiness. I have never lived at or authorized any financial activity connected to the listed addresses. The listed inquiries were not approved by me, and I did not sign or submit any applications to these companies. Additionally, I am not liable for the late payments or account history reported by XXXX OF XXXX. I am requesting a complete reinvestigation into each of these entries and the deletion of all disputed information. These inaccuracies have caused emotional distress, denial of credit, and reputational harm. Under FCRA XXXX and XXXX ( b ), the credit bureaus and data furnishers must investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
I request that the CFPB take immediate action to enforce the deletion and correction of these false records, hold the reporting agencies and furnishers accountable, and ensure my consumer rights are protected. I am attaching supporting identity documents and a detailed summary of my complaint for your review. Please treat this complaint as urgent.

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