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: MI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against the credit reporting agencies and furnishers for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically related to the inaccurate reporting of addresses and unverifiable accounts on my credit report. I have attempted to resolve these disputes directly with the credit bureaus, but the issues remain unresolved. 
INCORRECT ADDRESSES XXXX XXXX XXXX, MI XXXX WRONG ADDRESS I have never lived at or used this address in any personal, financial, legal, or residential capacity its presence on my credit report is inaccurate and creates confusion with identity and account linkage this address may have been added through clerical error or due to a mixed file situation the presence of this address violates FCRA Section 607 ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy because of this wrong address I have experienced stress, loss of creditworthiness, and suspicion of fraud I am demanding the immediate deletion of this address XXXX XXXX XXXX, MI XXXX WRONG ADDRESS This address is also not associated with me and has never been a residence I occupied or listed on any formal application or government form I believe this address was falsely attached to my file possibly due to a mixed credit file or identity confusion the listing of incorrect addresses violates my rights under FCRA Section 605 ( b ) and Section 609 as this creates false identifiers that harm my credit integrity because of this false address I have faced unjust scrutiny from creditors and have experienced emotional distress please delete this address from my credit file immediately XXXXXXXX XXXX XXXX MI XXXX WRONG ADDRESS This address is completely unknown to me I have no lease, utility bill, tax document, or legal record linking me to this address its inclusion is harmful and misleading and violates the FCRA 15 U.S.C 1681e ( b ), which requires bureaus to report only verifiable and accurate information I believe this address may have been mistakenly added due to another person with a similar name or clerical mix-up this has placed me at risk for fraud and caused difficulty when applying for credit I request immediate removal of this false address from all of your records DISPUTED ACCOUNTS XXXX XXXX  Account # XXXX CHARGE OFF High Balance : {$21000.00} | Date Opened : XX/XX/year>XXXX  This account is being reported as a charge-off under my credit profile but I have no knowledge or record of ever applying for or receiving a loan from this lender I believe this may be a case of identity theft or erroneous linking due to a similar name or social security number I have never received bills, statements, or contact from XXXX XXXX which proves there was no relationship between us under FCRA Section 609 I have the right to see documentation verifying the validity of the debt no such evidence has been provided and this entry continues to damage my credit and mental well-being I request permanent deletion of this account unless proper legal documents are shown to verify it SUMMARY OF HARMS Due to the inclusion of multiple wrong addresses and unverified accounts, I have suffered from : Denials of credit, loans, and housing Suspicion of fraud and identity theft Emotional distress and XXXX  Increased interest rates due to damaged credit Reputational harm Despite multiple disputes and evidence submitted, the credit bureaus and furnishers have failed to act in compliance with federal law. 
REQUEST FOR CFPB INTERVENTION I respectfully request the CFPB investigate this matter and ensure the credit bureaus and data furnishers comply with the Fair Credit Reporting Act by : 1. Permanently removing the four incorrect addresses from my credit report 2. Deleting or ceasing to report the disputed accounts if validation can not be legally and properly provided 3. Imposing accountability on the furnishers and bureaus for failure to investigate and correct these inaccuracies Thank you for your time and assistance in protecting my consumer rights.

Company response to consumer: Closed with explanation