Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
Summary of Complaint : I am filing this complaint because multiple credit bureaus and furnishers are reporting false addresses, inaccurate account information, and unauthorized inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA 604, 607, 611, and 623 ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA 809 ). These inaccuracies are causing significant harm to my creditworthiness, privacy, and peace of mind. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never resided at, conducted business at, or had any financial relationship tied to this address, yet it appears on my credit report. This is inaccurate and misleading.

Law : Under FCRA Section 605 ( b ) and Section 607 ( b ), credit reporting agencies are required to ensure all reported personal information is accurate and verifiable. Any unverifiable or incorrect information must be deleted.

Story : The presence of this incorrect address has caused significant confusion in my financial profile. I have been wrongly associated with accounts and obligations that do not belong to me, leading to delays and denials in credit applications. This misinformation has harmed my personal and professional reputation. It has forced me to repeatedly prove my identity to lenders, employers, and landlords, wasting valuable time and causing me emotional distress, XXXX, and embarrassment in situations where I was treated as a potential fraud risk. 
XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Wrong Address Issue : This address has no connection to me, my residence history, or my financial activities. Its inclusion on my report is a direct result of inadequate verification procedures.

Law : FCRA 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. This was not followed here.

Story : Having this address linked to my credit file has resulted in me being tied to debts and obligations that are not mine. Creditors have flagged my profile for high-risk activity, lowering my creditworthiness. I have faced humiliating rejections when applying for credit cards, personal loans, and housing. This misinformation has also raised the possibility of identity theft, forcing me to take extra security measures at my own cost, adding financial and emotional burden. 
XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This address is falsely associated with my identity without any legal documentation or proof.

Law : Under FCRA Section 611 ( a ), I have the right to dispute inaccurate information and have it removed if it can not be verified.

Story : This incorrect link to my identity has placed me at risk of being held responsible for financial obligations and possible fraudulent activities at this location. It has caused unnecessary suspicion from potential creditors and impacted my ability to secure competitive interest rates. It is also damaging my personal security because this type of data error suggests someone else may be using my identity or that my file has been mixed with another consumers file, which is extremely serious. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Charge Off Issue : The reported charge-off is inaccurate. There is no valid contract, agreement, or legally compliant verification from the creditor supporting this claim.

Law : Under FCRA Section 609 ( a ) ( 1 ), I am entitled to the original contract and complete validation of the alleged debt. Without this, the entry must be removed.

Story : This false charge-off has severely damaged my credit score, making it extremely difficult to obtain financing, competitive rates, or even secure basic necessities such as an apartment lease. I have been placed under undue financial stress and have had to endure the stigma of being labeled as someone who defaults on obligations. The reality is that this debt is either misreported or belongs to another individual. Carrying this incorrect negative mark is not only harmful to my financial health but also deeply humiliating in both personal and professional contexts. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : This inquiry was not authorized by me and therefore constitutes an unauthorized access to my credit file.

Law : FCRA Section 604 ( a ) ( 2 ) prohibits inquiries without the consumers explicit consent or permissible purpose.

Story : Unauthorized inquiries harm my credit score and may indicate potential identity theft. I have had to spend extra time and resources placing fraud alerts and freezing my credit to protect myself from future harm. Each time I see such inquiries, my trust in the safety of my personal data is further eroded.

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : I never applied for any product or service with this company, making this inquiry unauthorized.

Law : FCRA 604 ( a ) ( 3 ) violation.

Story : This type of improper access adds negative weight to my credit report, which can lower my score and harm my ability to secure future financing. It also raises concerns about whether my personal data has been sold, traded, or misused without my knowledge. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : An unknown entity has accessed my credit report without permission.

Law : FCRA Section 604 and the Gramm-Leach-Bliley Act prohibit unauthorized access to personal financial information.

Story : This action has placed my sensitive personal information at risk, potentially opening the door for fraudulent activity in my name. The stress and worry of wondering how my information was accessed has caused me emotional distress and forced me to take additional security precautions.

XXXX XXXX XX/XX/XXXX Inquiry Issue : This inquiry was not authorized and is therefore invalid.

Law : FCRA Section 604 ( a ) violation.

Story : Such inquiries damage my credit score and undermine my reputation as a responsible borrower. I am forced to take on the burden of clearing my name for actions I did not initiate.

Relief Requested : I request that the CFPB : 1. Investigate each credit bureau and furnisher involved for violations of the FCRA and FDCPA.

2. Compel the removal of all false addresses from my credit file.

3. Order the deletion or full correction of the inaccurate XXXX XXXX account.

4. Require deletion of all unauthorized inquiries from my credit report.

5. Ensure all furnishers provide proper documentation before re-reporting disputed items.

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