Consumer complaint received 2025-08-28 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my credit report, including erroneous addresses and incorrectly reported accounts. These errors have caused significant financial hardship, emotional distress, and potential damage to my creditworthiness. Despite repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, these inaccuracies remain uncorrected. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) requires credit bureaus to maintain maximum possible accuracy. Story : I have never lived at this address. Reporting this false residence links me to unknown individuals and financial records that do not belong to me. This creates confusion for lenders, undermines my credibility, and exposes me to potential fraud risks. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) Story : This address is completely inaccurate. Associating me with an address I never lived at paints a false picture of instability in my personal history. Lenders often use address history to assess reliability, and this misinformation unfairly damages my reputation. 

Unauthorized / Duplicate Inquiries XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) no credit inquiry is allowed without consumers permission. Story : I never authorized this inquiry. It makes it appear as if I am constantly applying for credit, damaging my profile. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not apply for credit with XXXX XXXX at this time. This false inquiry lowers my credit score and creates a false image of financial instability. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not initiate this application. Reporting this inquiry without my consent is unlawful and harmful. 
XXXX XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA 607 ( b ) & 604 ( a ) ( 3 ) Story : The same false inquiry reported twice creates even greater harm and falsely inflates the number of times I appear to have applied for credit. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I never gave permission for this. Unauthorized reporting is unlawful. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this. It lowers my score and misrepresents my activity. 
XXXX XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA 607 ( b ) Story : This duplicate makes the inaccuracy even more serious and damaging. 
XXXX XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA 607 ( b ) Story : This duplicate misrepresents my activity, making it appear as if I am applying excessively for credit.

Closing Statement Every false address and unauthorized inquiry listed above violates my rights under the FCRA. These items harm my reputation, reduce my credit score, and wrongly portray me as financially irresponsible. The law requires you to investigate and remove all inaccurate information within 30 days under FCRA 611 ( a ) ( 1 ) ( A ).

Impact & Request for Action : These inaccuracies have caused financial and emotional hardship, including denial of credit and increased stress. Under FCRA 1681i, I am entitled to have inaccurate, incomplete, or unverifiable information investigated and corrected. I request CFPB to investigate these accounts and incorrect addresses, direct the credit reporting agencies and creditors to remove or correct all disputed information, and ensure my credit report accurately reflects my true credit history.

Failure to correct these errors constitutes violations of FCRA and FDCPA and may subject the responsible parties to legal remedies, including actual damages, statutory damages, and attorney fees as outlined in 15 U.S.C. 1681n, 1681o, and 1692k.

I request written confirmation of your receipt of this complaint and prompt action to resolve these inaccuracies.

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