Consumer complaint received 2025-09-16 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding multiple wrong addresses and unauthorized inquiries that are being reported on my credit file. These errors are inaccurate, misleading, and harmful to my credit standing. 
Wrong Addresses XXXX XXXX Av XXXX XXXX, XXXX, PA, XXXX This address is not mine and has never been associated with me. I have never lived there, nor conducted any financial activity connected to this location. The presence of this address is a violation of FCRA 607 ( b ) which requires accuracy and fairness.

Story : Because this wrong address appears, creditors and background check agencies may assume I lived there and link me to accounts or obligations I never opened. This creates a serious mixed file risk where another persons debts or judgments could be mistakenly tied to me. It has already created unnecessary delays when applying for credit because lenders question why multiple unrelated addresses appear. 
XXXX XXXX XX/XX/XXXX This hard inquiry was made without my consent or permissible purpose as required under FCRA 604. I never authorized this company to access my personal credit report.

Story : This inquiry has already caused a negative impact on my credit score. When I applied for legitimate credit later, lenders asked about these pulls, and I had to explain something I never authorized. This damages my credibility with lenders and wastes my time. 
BUS.CRED RPT XX/XX/XXXX I did not authorize this inquiry. No legitimate relationship exists that would justify this credit pull. 
Story : This inquiry is highly concerning because I never sought any business credit report. It suggests that either my information was sold, mishandled, or accessed by an entity without any relationship to me. This is a direct violation of my privacy. 
XXXX XXXX XX/XX/XXXX This inquiry is fraudulent and unauthorized. I have no dealings with this entity and never gave consent. 
XXXX : This inquiry looks as if I attempted to get financing from a company I have no relationship with. Such false impressions can destroy my financial reputation, making lenders assume I am overextending myself. 
XXXX and XXXX Caused The repeated reporting of wrong addresses and unauthorized inquiries shows a clear pattern of negligence, violation of consumer protection laws, and reckless disregard for accuracy. Wrong addresses create the risk of mixed files, identity theft, and denial of credit opportunities. Unauthorized inquiries unlawfully decrease my XXXX XXXX and misrepresent my credit-seeking behavior to lenders. Together, these errors cause financial injury, reputational harm, and severe emotional distress. 
Requested Resolution : Immediate removal of all wrong addresses from my credit file. 
Permanent deletion of all unauthorized hard inquiries listed above. 
Written confirmation of the corrections made. 
Failure to address these violations will result in further escalation and legal action for damages under FCRA 1681n and 1681o.

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