Consumer complaint received 2025-08-30 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: IN

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit reports contain false addresses, inaccurate account information, and unauthorized inquiries that violate 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 related consumer protection laws. These errors are damaging my creditworthiness, harming my reputation, and causing financial and emotional distress.

Wrong Addresses Reported ( Identity Confusion FCRA 607 ( b ), 611, 616, 617 ) : XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Under FCRA 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. The inclusion of addresses that do not belong to me is a clear violation of this requirement. FCRA 611 requires agencies to reinvestigate disputed information within 30 days, and failure to delete unverifiable data constitutes willful noncompliance under FCRA 616 ( civil liability for willful violations ) and negligent noncompliance under FCRA 617. These false addresses are also contributing to identity confusion, which has caused housing denials and suspicion of fraud. 
Account Reporting Issues ( Late Payments FCRA 623, 604, FDCPA 807, 809 ) : XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX Late Payment Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information may not report information they know or should know is inaccurate. Reporting late payments without providing documentation of an original signed contract, payment history, or proper validation is a violation of this law. FCRA 604 requires that any reported account must have a permissible purpose and be accurate. FDCPA 807 prohibits the use of false, deceptive, or misleading representation in connection with a debt, and FDCPA 809 requires debt validation upon request. This account has caused me loan denials and higher insurance premiums. Until documentation is provided, this reporting is unlawful and must be deleted. 
Hard Inquiries Without Proper Authorization ( FCRA 604, 606, 609, 610, 611, 616, 617 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry FCRA 604 strictly limits permissible purposes for obtaining a consumer report, and most of these inquiries were made without my knowledge or written authorization. Under FCRA 606 and 609, I have the right to know who accessed my file and why. FCRA 610 requires credit bureaus to disclose the sources of inquiries upon request, and 611 mandates reinvestigation when disputes arise. Each unauthorized inquiry has damaged my credit score and harmed my ability to obtain loans at fair terms. These actions may constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, giving me the right to seek civil damages.

Conclusion & Requested Relief ( FCRA 611, 616, 617, FDCPA 813 ) : The false addresses, inaccurate late payment, and unauthorized inquiries listed above are unlawful and harmful. I request that the CFPB compel the credit reporting agencies and furnishers to : 1. Delete all wrong addresses from my credit file. 
XXXX. Remove or correct the XXXX XXXX XXXXXXXX late payment until verifiable proof is provided. 
XXXX. Delete all unauthorized inquiries that lack written authorization or permissible purpose. 
These actions are required under the FCRA and FDCPA. If not corrected, I will escalate to the FTC, state regulators, and consider civil action under FCRA 616 and 617 ( civil liability for willful and negligent noncompliance ) and FDCPA 813 ( civil liability for violations ). 
I expect a full investigation and written response within the legally required 30-day timeframe.

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