Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268477
TransUnion Credit Report Mixed with Another Individual's Information
Complaint Overview
Complaint ID: 12268477
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: Georgia
ZIP Code: 30034
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Inclusion of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, making it a medium-risk issue.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 12268477 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 Georgia consumer reported incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by TransUnion Intermediate Holdings, Inc. and closed with non-monetary relief. The complaint was received on February 28, 2025 from Georgia. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information on consumer reports.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to maintain accurate credit information and to investigate consumer disputes promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Georgia, as elsewhere, consumers have rights under the FCRA to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, as errors in data aggregation and matching can lead to mixed information.
Similar Complaint Patterns
Complaints frequently arise regarding inaccuracies on credit reports, including information belonging to other individuals. This can stem from data entry errors, merging of files due to similar personal information (like names or addresses), or outright identity theft. Consumers often struggle to get these errors corrected promptly by credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268477 about?
CFPB complaint 12268477 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 February 28, 2025.
Which company is complaint 12268477 filed against?
Complaint 12268477 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 12268477?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12268477 filed?
Complaint 12268477 was received by the CFPB on February 28, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 3, 2025.
What state was complaint 12268477 filed from?
Complaint 12268477 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12268477?
Dispute information is not available for complaint 12268477.
What product category is complaint 12268477 about?
Complaint 12268477 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 12268477 submitted?
Complaint 12268477 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 12268477?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information on consumer reports. 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 12268477 to be resolved?
Resolution likelihood: mixed. 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 12268477?
This complaint is rated as medium risk. Inclusion of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, making it a medium-risk issue.
What regulatory actions apply to complaint 12268477?
Credit bureaus have a responsibility under the FCRA to maintain accurate credit information and to investigate consumer disputes promptly. 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 12268477?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit bureau.
Are there state-specific protections for complaint 12268477?
In Georgia, as elsewhere, consumers have rights under the FCRA to ensure the accuracy of their credit reports. This complaint was filed from Georgia.
How does complaint 12268477 compare to industry norms?
This issue is common across the credit reporting industry, as errors in data aggregation and matching can lead to mixed information.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (TransUnion in this case) and provide any supporting documentation. They should also consider contacting the original creditor if known.
What does 'closed with non-monetary relief' typically mean in a credit reporting dispute?
It means the issue was resolved without the consumer receiving any financial compensation, but rather through corrective actions like removing the incorrect information from the report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.