Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against the credit reporting agencies XXXX XXXX  and TransUnion for continuing to report multiple inaccurate addresses on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These addresses are false, damaging, and completely unrelated to me or my financial history. Despite not having any connection to these addresses, they have remained on my credit report, leading to major personal and financial harm. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is being incorrectly reported on my credit file. I have never lived at, received mail from, or been associated with this property. It is completely false and damaging. 
Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports. Including an address I have no connection with violates this standard. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate information and request prompt reinvestigation and correction.

Story : The presence of this false address has caused me to experience delays in processing financial applications and repeated identity verifications. At one point, a lender flagged my credit application for additional review due to this address not matching any part of my credit history or supporting documentation. This has led to missed financial opportunities and significant emotional stress. I am a victim of profile contamination someone elses information has mistakenly merged with mine, and now Im suffering the consequences. This is not a small clerical error its a serious inaccuracy affecting my financial reputation and daily life. I urge you to remove this address from all credit files and conduct a thorough investigation to prevent recurrence. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is being wrongly listed as part of my personal identifying information. I have never lived there, rented, owned property, or received correspondence from this location. 
Law : Under FCRA 1681c-2, I have the right to request the removal of any information that results from identity theft or any unverified or inaccurate personal data. Moreover, 1681i requires reinvestigation of any disputed data when a consumer files a complaint about its accuracy. 
Story : I have been negatively impacted because of this address. I was denied a credit increase by my bank because the internal system flagged my file for identity inconsistency. I had to spend hours gathering documentation to prove my actual address and verify my identity. This address appears to have absolutely no connection to my financial life. Including incorrect addresses leads to questions about fraud, identity theft, or even criminal misrepresentation, none of which I am guilty of. Ive also been questioned about it during a pre-employment background check, which could have cost me a job. This is a serious violation of my rights and financial reputation, and Im demanding permanent removal of this inaccurate address from all files and systems.

Request for Resolution : I am demanding the immediate removal of all three addresses from my credit reports and a full reinvestigation under the FCRA. I also request that the bureaus send me updated copies of my credit file reflecting these corrections and that they provide written confirmation of the outcome. The continued presence of inaccurate personal information is a violation of federal law, an invasion of privacy, and a source of ongoing harm to my financial and emotional well-being.

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