Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268553
Incorrect Identity on Credit Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 12268553
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: Florida
ZIP Code: 33976
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 correction was made without financial restitution being required.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12268553 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 Florida consumer reported incorrect information on their credit report, specifically that information belonging to someone else was associated with their TransUnion report, and the issue was closed with non-monetary relief. The complaint was received on February 28, 2025 from Florida. 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 promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and credit bureaus to investigate disputes.
Regulatory Insight
This case highlights the importance of credit bureaus having robust processes to identify and correct instances where consumer identities are mixed.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal law to ensure the accuracy of their credit reporting information.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
Similar Complaint Patterns
Complaints involving incorrect information on credit reports are common. A specific subset involves consumers reporting that information belonging to another individual is appearing on their report. This can stem from data entry errors, mixed files due to similar personal identifiers, or potentially more serious identity theft scenarios.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268553 about?
CFPB complaint 12268553 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 12268553 filed against?
Complaint 12268553 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 12268553?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12268553 filed?
Complaint 12268553 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 12268553 filed from?
Complaint 12268553 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 12268553?
Dispute information is not available for complaint 12268553.
What product category is complaint 12268553 about?
Complaint 12268553 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 12268553 submitted?
Complaint 12268553 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 12268553?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and credit bureaus to investigate disputes. 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 12268553 to be resolved?
Resolution likelihood: unlikely. 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 12268553?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without financial restitution being required.
What regulatory actions apply to complaint 12268553?
This case highlights the importance of credit bureaus having robust processes to identify and correct instances where consumer identities are mixed. 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 12268553?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12268553?
In Florida, consumers have rights under state and federal law to ensure the accuracy of their credit reporting information. This complaint was filed from Florida.
How does complaint 12268553 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, such as removing incorrect accounts or personal identifiers, without the consumer receiving any financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.