Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11346226
TransUnion Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 11346226
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Colorado
ZIP Code: 80010
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect information on a credit report, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 11346226 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information, specifically information belonging to someone else, appeared on their credit report from TransUnion. The complaint was received on December 31, 2024 from Colorado. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should dispute any inaccurate information on their credit report directly with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate credit information and must have processes in place to prevent and correct mixed files.
Resolution Likelihood
likely
State-Specific Consumer Protections
Colorado consumers are protected by the FCRA, which governs credit reporting practices.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the persistent challenge of ensuring data accuracy.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346226 about?
CFPB complaint 11346226 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on December 31, 2024.
Which company is complaint 11346226 filed against?
Complaint 11346226 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.
What was the company's response to complaint 11346226?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 11346226 filed?
Complaint 11346226 was received by the CFPB on December 31, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on December 31, 2024.
What state was complaint 11346226 filed from?
Complaint 11346226 was filed from Colorado. You can view all complaints from this state at /state/CO.
Was the consumer satisfied with the resolution of complaint 11346226?
Dispute information is not available for complaint 11346226.
What product category is complaint 11346226 about?
Complaint 11346226 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 11346226 submitted?
Complaint 11346226 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11346226?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Incorrect information on your report".
How likely is complaint 11346226 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11346226?
This complaint is rated as medium risk. Incorrect information on a credit report, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 11346226?
Credit bureaus have a responsibility to maintain accurate credit information and must have processes in place to prevent and correct mixed files. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 11346226?
Consumers should dispute any inaccurate information on their credit report directly with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 11346226?
Colorado consumers are protected by the FCRA, which governs credit reporting practices. This complaint was filed from Colorado.
How does complaint 11346226 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the persistent challenge of ensuring data accuracy.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should file a dispute with the credit reporting agency (TransUnion in this case) and provide any supporting documentation. They should also consider notifying the furnisher of the information.
What is the typical timeframe for a credit bureau to resolve a dispute about inaccurate information?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.