Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13279156

CFPB complaint 13279156 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 April 30, 2025.

Complaint 13279156 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.

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 13279156 was received by the CFPB on April 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on April 30, 2025.

Complaint 13279156 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 13279156.

Complaint 13279156 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 13279156 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes and correct 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".

Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The presence of another individual's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to financial harm.

Credit bureaus have a responsibility to maintain accurate consumer information and must have robust processes to prevent and correct identity-related reporting errors. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.

In Florida, as elsewhere, consumers are protected by federal laws like the FCRA regarding credit reporting accuracy. This complaint was filed from Florida.

This issue is common across the credit reporting industry, as errors in data aggregation and matching can occur.

The consumer should immediately dispute the incorrect information with the credit reporting agency (TransUnion in this case) and provide any supporting documentation. They should also consider filing a complaint with the CFPB if the issue is not resolved.

Credit bureaus will investigate the dispute, which may involve reviewing the consumer's and the other individual's files to identify and separate the erroneous information. The resolution often involves updating or removing the incorrect data.