Consumer complaint received 2025-07-17 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:
To Whom It May Concern : I am submitting this complaint to report severe and repeated violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by credit reporting agencies and data furnishers. My consumer credit report contains multiple inaccurate addresses, accounts, and inquiries that are damaging my financial standing, misrepresenting my identity, and violating my legal rights. Despite prior disputes, these errors remain unresolved. Below is a detailed account of the violations and supporting facts. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived at or been associated with this address. Its presence on my credit report is inaccurate and misleading. 
Law : FCRA 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy.

Story : This incorrect address may have resulted from a mixed file or data entry error. Its presence has caused confusion during identity verifications and background checks, including when applying for housing and employment. I have no leases, utility bills, or any type of correspondence connected to this location. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This address is not mine and was added without my knowledge or consent.

Law : Under FCRA 1681e ( b ), credit bureaus must follow reasonable procedures to assure accuracy.

Story : I believe this address was mistakenly associated with my credit profile, possibly due to identity theft or clerical error. I have faced multiple denials from lenders who questioned my address history because of this inaccurate entry. It is harmful and must be deleted. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived here, and its inclusion is fraudulent. 
Law : FCRA 1681c requires that obsolete or unrelated data be removed to maintain credit report integrity.

Story : This address may have been connected through a data merging mistake. Its appearance on my credit report is misleading and exposes me to reputational and financial risks. I have submitted proof of my actual address history and this location is not part of it. Please delete it immediately. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : Account shows late payment despite having no balance. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate data knowingly. 
Story : I paid this account on time and have maintained a XXXX balance. Despite this, a late payment is wrongly reported. I was not notified or given a chance to correct the mistake before it impacted my credit. This false reporting has lowered my score and prevented me from getting fair credit opportunities. I request immediate deletion or correction. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Charged Off Issue : Account charged off without full validation or resolution. 
Law : Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and FCRA 1681i ( a ) allow me to dispute and request validation.

Story : I was in communication with this creditor regarding a financial hardship, yet the account was suddenly charged off. I was not given notice or opportunity to resolve the account. The reporting is damaging and lacks proper documentation. I demand that the account be validated or removed from my report. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : Late payment recorded despite {$0.00} balance and full compliance.

Law : FCRA 1681s-2 ( b ) mandates accurate reinvestigation upon consumer dispute.

Story : I paid this account as agreed, yet a late mark was added which is unfair and untrue. I never received notification or delinquency notice. This reporting has hurt my credit profile unjustly and I respectfully demand that it be deleted. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry.

Law : FCRA 604 ( a ) ( 3 ) requires consumer consent for inquiries. 
Story : I never applied for any account or service with XXXX XXXX at this time. This inquiry was conducted without my permission and is now affecting my credit score. I consider this a breach of my consumer rights and demand removal of the inquiry. 
XXXX XX/XX/XXXX Inquiry Issue : Inquiry without application or authorization.

Law : FCRA 1681b ( c ) prohibits inquiries without permissible purpose. 
Story : I did not apply for credit with XXXX XXXX XXXX  on the stated date. This inquiry was unauthorized and is adversely affecting my score. I request full investigation and immediate deletion to prevent further damage.

SUMMARY OF VIOLATIONS FCRA 1681e ( b ) : Failure to ensure accuracy of address and identity information FCRA 1681i ( a ) : Failure to reinvestigate disputed items FCRA 1681s-2 ( b ) : Failure by furnishers to investigate and correct wrong account data FDCPA 809 ( b ) : Reporting debt without proper validation FCRA 1681b ( c ) & 604 ( a ) ( 3 ) : Unauthorized inquiries without permissible purpose RESOLUTION REQUESTED I respectfully request that the CFPB investigate this matter fully and take enforcement action as needed. Specifically, I am asking for : 1. Immediate deletion of all wrong addresses listed above 2. Removal or correction of all inaccurate account reporting 3. Investigation and deletion of unauthorized inquiries 4. Penalties or corrective action against data furnishers and CRAs found noncompliant These errors have caused emotional distress, credit denials, job screening complications, and financial hardship. I am exercising my rights as a consumer and request your assistance in correcting these egregious violations.

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