Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB COMPLAINT I am submitting this complaint to report multiple inaccurate, unverified, and unauthorized items being reported on my credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. These inaccuracies are causing me severe harm, denial of credit, higher interest rates, and emotional distress. I have no contractual relationship, no authorization, and no consent for these items to be reported. Despite my previous disputes, the credit bureaus have failed to properly investigate and delete these items as required by law. The following are the disputed items : XXXX XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS ISSUE : This address is inaccurate, outdated, and does not belong to me. Its continued presence on my credit file misrepresents my identity, creates confusion, and links me to unknown activities. The inclusion of this data violates 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ).

LAW : FCRA 15 U.S.C. 1681c ( a ) ( 4 ) prohibits reporting of outdated or irrelevant personal identifying information ; 15 U.S.C. 1681e ( b ) requires reasonable procedures to ensure accuracy ; 15 U.S.C. 1681i ( a ) mandates proper reinvestigation. 
STORY : I have never resided at or been associated with this property. Its presence damages my credibility in the eyes of lenders and may cause me to be linked to fraudulent or delinquent accounts. This is my second formal dispute and CFPB complaint is still open, proving you were previously notified yet failed to take corrective action. Such willful noncompliance is actionable under 15 U.S.C. 1681n and negligent under 15 U.S.C. 1681o, exposing your agency to legal liability. Immediate deletion is required. 
XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS ISSUE : This address is not mine and never has been. Reporting this information is misleading and directly violates FCRA accuracy standards. 
XXXX : 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum possible accuracy ), 1681i ( a ) ( prompt reinvestigation ), and 1681n/o ( willful/negligent noncompliance liability ).

STORY : I have never lived at this location. Continuing to list this address on my credit file after my first dispute is reckless and negligent. It risks me being associated with debts, crimes, or financial obligations I have nothing to do with. It may also be considered identity misrepresentation under 15 U.S.C. 1681q. Your refusal to delete this address despite prior notice shows a disregard for my rights under federal law. 
XXXX XXXX HARD INQUIRY XX/XX/year> ISSUE : This hard inquiry was made without my knowledge, authorization, or permissible purpose. Reporting it is a violation of my rights under the FCRA. 
LAW : 15 U.S.C. 1681b ( a ) limits inquiries to those with a permissible purpose ; 1681b ( f ) prohibits use without authorization ; 1681q makes obtaining a report under false pretenses illegal ; 1681c ( a ) limits reporting of certain obsolete data.

STORY : I did not apply for credit or authorize XXXX XXXX to pull my credit report on the listed date. The continued reporting of this unauthorized inquiry is harming my score and is a clear violation of permissible purpose provisions. This is now my second time disputing, with a CFPB complaint still pending. Your continued reporting after notice makes this a willful violation, entitling me to statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n. 
These items are being reported without proper verification, documentation, or permissible purpose. Under the FCRA, the credit reporting agencies and furnishers are required to conduct a reasonable investigation, delete any unverifiable information, and provide me with the method of verification. The continued reporting of these inaccurate and unverified items shows willful disregard for federal law. I am requesting immediate deletion of all the disputed addresses and the unauthorized inquiry from my credit reports. Failure to do so constitutes continued violation of my consumer rights and will result in further legal action and complaints to the CFPB, FTC, and State Attorney General.

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