Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12271693
TransUnion Credit Report Error Resolved Without Monetary Compensation
Complaint Overview
Complaint ID: 12271693
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: Account information incorrect
State: Washington
ZIP Code: 98405
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 successful dispute without significant financial impact.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 12271693 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 account information on their credit report with TransUnion, which was closed with non-monetary relief. The complaint was received on February 28, 2025 from Washington. 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 with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information.
Regulatory Insight
This case highlights the importance of the FCRA's dispute resolution process, where non-monetary relief is a common outcome for factual errors.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Washington state and was handled through the CFPB's web portal.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in account information can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12271693 about?
CFPB complaint 12271693 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on February 28, 2025.
Which company is complaint 12271693 filed against?
Complaint 12271693 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 12271693?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12271693 filed?
Complaint 12271693 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 12271693 filed from?
Complaint 12271693 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 12271693?
Dispute information is not available for complaint 12271693.
What product category is complaint 12271693 about?
Complaint 12271693 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 12271693 submitted?
Complaint 12271693 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 12271693?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding 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 12271693 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 12271693?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a successful dispute without significant financial impact.
What regulatory actions apply to complaint 12271693?
This case highlights the importance of the FCRA's dispute resolution process, where non-monetary relief is a common outcome for factual errors. 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 12271693?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau.
Are there state-specific protections for complaint 12271693?
The complaint originated in Washington state and was handled through the CFPB's web portal. This complaint was filed from Washington.
How does complaint 12271693 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in account information can occur.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction or removal of inaccurate information from a credit report, rather than a financial payout to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.