Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12754197
TransUnion Addresses Incorrect Credit Report Information
Complaint Overview
Complaint ID: 12754197
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: 33178
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with explanation
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 an explanation, suggesting a straightforward correction or clarification was made.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12754197 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 belonged to someone else, which was handled by TransUnion Intermediate Holdings, Inc. in Florida and closed with an explanation. The complaint was received on March 31, 2025 from Florida. The company responded with "Closed with explanation".
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 and provides consumers with rights to dispute inaccuracies.
Regulatory Insight
This case highlights the importance of credit bureaus having robust processes for identifying and correcting identity-related errors on consumer reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have specific rights and avenues to dispute credit report errors with credit reporting agencies.
Industry Comparison
Credit reporting agencies like TransUnion are expected to maintain accurate records and address consumer disputes efficiently.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12754197 about?
CFPB complaint 12754197 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 March 31, 2025.
Which company is complaint 12754197 filed against?
Complaint 12754197 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 12754197?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12754197 filed?
Complaint 12754197 was received by the CFPB on March 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on March 31, 2025.
What state was complaint 12754197 filed from?
Complaint 12754197 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 12754197?
Dispute information is not available for complaint 12754197.
What product category is complaint 12754197 about?
Complaint 12754197 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 12754197 submitted?
Complaint 12754197 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 12754197?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute inaccuracies. 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 12754197 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12754197?
This complaint is rated as low risk. The risk is low as the issue was resolved with an explanation, suggesting a straightforward correction or clarification was made.
What regulatory actions apply to complaint 12754197?
This case highlights the importance of credit bureaus having robust processes for identifying and correcting identity-related errors on consumer reports. 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 12754197?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12754197?
In Florida, consumers have specific rights and avenues to dispute credit report errors with credit reporting agencies. This complaint was filed from Florida.
How does complaint 12754197 compare to industry norms?
Credit reporting agencies like TransUnion are expected to maintain accurate records and address consumer disputes efficiently.
What is the typical timeframe for a credit reporting agency to resolve a dispute about incorrect information?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if new information is provided late in the process.
What steps should a consumer take if they believe information on their credit report belongs to someone else?
The consumer should file a dispute with the credit reporting agency, clearly stating that the information belongs to another individual and providing any supporting documentation they may have.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.