Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report multiple serious inaccuracies and unauthorized activities appearing on my credit report. These errors have negatively impacted my creditworthiness, financial opportunities, and personal peace of mind. Despite my efforts to address these issues directly with credit reporting agencies, they remain unresolved. Therefore, I seek your immediate intervention and assistance. 
XXXX OAK XXXX, MI XXXX Issue : This address is incorrectly reported as mine. I have never lived, rented, or used this address for any financial or legal purposes. Its inclusion is a clear sign of inaccurate information on my credit report. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of information before reporting it. Reporting incorrect addresses violates this standard. 
Story/Impact : This false address causes confusion with creditors and potential employers who XXXX rely on my credit file for background checks. It also raises the risk of identity mix-ups or fraud. Such misinformation undermines my credibility and causes emotional stress. It is unfair and unjust to have my creditworthiness potentially impaired due to errors beyond my control. I demand its immediate removal to protect my reputation and financial future. 
XXXX XXXX XXXX, MI XXXX Issue : This address is wrongfully linked to my credit file. I have no connection or history with this location. 
Law : According to FCRA 1681i, I have the right to dispute and demand reinvestigation of inaccurate information. Continued reporting without verification violates consumer rights. 
Story/Impact : This erroneous reporting causes me to be wrongly associated with liabilities or legal matters linked to this address. It impacts my loan applications and housing prospects. I have faced multiple rejections and explanations demanding why my address history is inconsistent. This is not only an administrative error but a violation of my consumer rights. XXXX correction is essential. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) Issue : I never applied for credit from XXXX XXXX XXXX ; this inquiry was unauthorized. 
XXXX : Under the FCRA, unauthorized inquiries must be removed within 30 days of dispute. 
Story/Impact : This inaccurate inquiry is damaging my XXXX XXXX and misleading potential lenders. It causes me financial harm and personal distress. I demand swift correction. 
XXXX XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) Issue : Unauthorized hard pull by XXXX XXXX Bank without my consent. 
XXXX : FCRA 1681b ( c ) requires prior consumer authorization. 
Story/Impact : This inquiry negatively affects my credit rating and raises questions during loan applications. It forces me to waste time disputing false claims and adds to my financial insecurity. 
Summary These inaccurate addresses and unauthorized inquiries collectively represent a serious failure in credit reporting accuracy and consumer protection. The emotional toll, financial harm, and identity risks are severe. I demand immediate investigation, correction, and deletion of all these errors under the full force of FCRA protections. Failure to comply will result in escalation to regulatory authorities and legal remedies. 
XXXX & XXXX I am a victim of unauthorized credit inquiries and misreporting of addresses that I have never been associated with. These errors have caused me mental distress, confusion with creditors, and damage to my XXXX XXXX which impacts my ability to access housing, transportation, and employment opportunities. 
I have always strived to maintain accurate personal information and secure my credit identity, but the careless reporting and weak verification systems of some data furnishers and bureaus have deeply affected my life. XXXX requesting you to act with urgency, integrity, and fairness by removing these errors and preventing future recurrence. 
Impact on Me : These inaccuracies and unauthorized activities have caused me significant distress. My XXXX XXXX has suffered unjustly, leading to loan denials, higher interest rates, and other financial setbacks. The presence of incorrect addresses has also raised questions in background checks, affecting housing and employment opportunities. I am forced to spend extensive time and resources disputing these errors, impacting my mental health and financial stability. 
Request for XXXX : I respectfully request that CFPB facilitate a thorough investigation and ensure the removal of all inaccurate addresses and unauthorized inquiries from my credit reports. I expect the credit reporting agencies to comply fully with FCRA requirements, provide me with results of their reinvestigation, and prevent recurrence of such issues. 
Thank you for your attention and prompt action on this serious matter.

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