Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12762426
TransUnion Credit Report Error: Information Belongs to Another Person
Complaint Overview
Complaint ID: 12762426
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: Massachusetts
ZIP Code: 02171
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
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 involves incorrect information on a credit report, which is a common consumer issue that credit bureaus are equipped to handle.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft/mix-up
AI Analysis
CFPB complaint 12762426 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, stating that information belonged to someone else, which was handled by TransUnion Intermediate Holdings, Inc. in Massachusetts. The complaint was received on March 31, 2025 from Massachusetts. 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 reporting agency.
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 inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct any inaccurate information, including identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Massachusetts, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This is a common issue across the credit reporting industry, where errors can occur due to data processing or identity confusion.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12762426 about?
CFPB complaint 12762426 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 12762426 filed against?
Complaint 12762426 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 12762426?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12762426 filed?
Complaint 12762426 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 12762426 filed from?
Complaint 12762426 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 12762426?
Dispute information is not available for complaint 12762426.
What product category is complaint 12762426 about?
Complaint 12762426 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 12762426 submitted?
Complaint 12762426 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 12762426?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute 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 12762426 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 12762426?
This complaint is rated as low risk. The risk is low as the issue involves incorrect information on a credit report, which is a common consumer issue that credit bureaus are equipped to handle.
What regulatory actions apply to complaint 12762426?
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct any inaccurate information, including identity mix-ups. 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 12762426?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency.
Are there state-specific protections for complaint 12762426?
In Massachusetts, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Massachusetts.
How does complaint 12762426 compare to industry norms?
This is a common issue across the credit reporting industry, where errors can occur due to data processing or identity confusion.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (TransUnion, in this case) in writing, providing any supporting documentation. The agency is then required to investigate the dispute.
What does 'closed with non-monetary relief' mean in the context of a CFPB complaint?
This typically means the issue was resolved without the company providing any financial compensation to the consumer, but rather through actions like correcting the credit report or changing a process.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.