Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268583
TransUnion Addresses Incorrect Personal Information on Credit Report
Complaint Overview
Complaint ID: 12268583
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: Personal information incorrect
State: Oklahoma
ZIP Code: 73089
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-02-28T12:00:00-05:00
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 minor correction rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Personal information
AI Analysis
CFPB complaint 12268583 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 personal information on their credit report to TransUnion, which was closed with non-monetary relief. The complaint was received on February 28, 2025 from Oklahoma. 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 personal information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports.
Regulatory Insight
This case highlights the importance of FCRA compliance in maintaining accurate consumer data and the process for addressing disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue is common across all states, as credit reporting is a nationwide practice.
Industry Comparison
This is a common type of complaint within the credit reporting industry, often resolved through corrections.
Similar Complaint Patterns
Consumers frequently report errors in personal identifying information (PII) such as names, addresses, social security numbers, and dates of birth on their credit reports. These errors can stem from data entry mistakes, identity theft, or outdated information, leading to difficulties in obtaining credit or other services.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268583 about?
CFPB complaint 12268583 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Personal information incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on February 28, 2025.
Which company is complaint 12268583 filed against?
Complaint 12268583 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 12268583?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12268583 filed?
Complaint 12268583 was received by the CFPB on February 28, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on February 28, 2025.
What state was complaint 12268583 filed from?
Complaint 12268583 was filed from Oklahoma. You can view all complaints from this state at /state/OK.
Was the consumer satisfied with the resolution of complaint 12268583?
Dispute information is not available for complaint 12268583.
What product category is complaint 12268583 about?
Complaint 12268583 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 12268583 submitted?
Complaint 12268583 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 12268583?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in 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 12268583 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 12268583?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a minor correction rather than a systemic problem.
What regulatory actions apply to complaint 12268583?
This case highlights the importance of FCRA compliance in maintaining accurate consumer data and the process for addressing disputes. 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 12268583?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect personal information promptly.
Are there state-specific protections for complaint 12268583?
This issue is common across all states, as credit reporting is a nationwide practice. This complaint was filed from Oklahoma.
How does complaint 12268583 compare to industry norms?
This is a common type of complaint within the credit reporting industry, often resolved through corrections.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction or removal of inaccurate information from the credit report, rather than a financial payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.