Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12766430
Incorrect Identity Information on Credit Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 12766430
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: 33884
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 was resolved with non-monetary relief, indicating a correction was made without financial compensation.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft/mix-up
AI Analysis
CFPB complaint 12766430 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 belonging to someone else was present, which was closed with non-monetary relief. The complaint was received on March 31, 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.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate consumer data and addressing identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit information.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors or identity confusion can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12766430 about?
CFPB complaint 12766430 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 12766430 filed against?
Complaint 12766430 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 12766430?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12766430 filed?
Complaint 12766430 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 12766430 filed from?
Complaint 12766430 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 12766430?
Dispute information is not available for complaint 12766430.
What product category is complaint 12766430 about?
Complaint 12766430 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 12766430 submitted?
Complaint 12766430 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 12766430?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit 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 12766430 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 12766430?
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 compensation.
What regulatory actions apply to complaint 12766430?
This case highlights the importance of credit bureaus maintaining accurate consumer data and addressing 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 12766430?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12766430?
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit information. This complaint was filed from Florida.
How does complaint 12766430 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors or identity confusion can occur.
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 details, without the consumer receiving any financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.