Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268540
TransUnion Credit Report Error: Incorrect Identity Information
Complaint Overview
Complaint ID: 12268540
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: Alaska
ZIP Code: 99504
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: low
The risk is low as the issue was resolved with non-monetary relief, indicating a procedural correction rather than a systemic failure or significant financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12268540 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 incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by TransUnion Intermediate Holdings, Inc. in Alaska and closed with non-monetary relief. The complaint was received on February 28, 2025 from Alaska. 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, especially identifying details, promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
This case highlights the importance of robust identity verification processes by credit bureaus to prevent the commingling of consumer data.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Alaska, as elsewhere, consumers have rights under the FCRA to dispute and correct errors on their credit reports.
Industry Comparison
Credit reporting agencies generally face similar challenges in maintaining data accuracy and preventing identity mix-ups across the industry.
Similar Complaint Patterns
Complaints frequently arise regarding inaccuracies on credit reports, including mixed files where information from one consumer's file is erroneously merged with another's. This can lead to significant financial harm and requires thorough investigation by credit reporting agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268540 about?
CFPB complaint 12268540 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 12268540 filed against?
Complaint 12268540 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 12268540?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12268540 filed?
Complaint 12268540 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 12268540 filed from?
Complaint 12268540 was filed from Alaska. You can view all complaints from this state at /state/AK.
Was the consumer satisfied with the resolution of complaint 12268540?
Dispute information is not available for complaint 12268540.
What product category is complaint 12268540 about?
Complaint 12268540 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 12268540 submitted?
Complaint 12268540 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 12268540?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding 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 12268540 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 12268540?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a procedural correction rather than a systemic failure or significant financial harm.
What regulatory actions apply to complaint 12268540?
This case highlights the importance of robust identity verification processes by credit bureaus to prevent the commingling of consumer data. 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 12268540?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information, especially identifying details, promptly.
Are there state-specific protections for complaint 12268540?
In Alaska, as elsewhere, consumers have rights under the FCRA to dispute and correct errors on their credit reports. This complaint was filed from Alaska.
How does complaint 12268540 compare to industry norms?
Credit reporting agencies generally face similar challenges in maintaining data accuracy and preventing identity mix-ups across the industry.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, removal of fraudulent accounts, or an investigation into the consumer's claims, rather than financial compensation.
How long does a credit reporting agency have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information related to the dispute within that initial 30-day period) to investigate and respond to a consumer's dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.