I know saying the transphobic word is meant to shut down the conversation, but it really doesn't because people like me don't own it. Seeing a difference between trans women and women is a nod to reality, not hate
Some intersex people have two sets of genitalia, one for each changing room; they must use one or the other, as only the two options are offered in the vast majority of cases. If they are intersex women, then those around them may be made uncomfortable by their body’s physical features. It is everyone else’s responsibility to deal with that discomfort and let them finish changing without comment, same as they would expect to be left alone about their own physical features while changing.
If a person is behaving inappropriately in a changing room, such as staring at the sexual features of many others, or making rude gestures towards or uninvited comments about physical features, then they should be asked to stop or leave and may be subject to punishment by the business and/or local authorities for their behavior — no matter what their own genitalia are, whether they’re a match for the gender label (if any) on the door of the changing room or not.