Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13306505
TransUnion Credit Report Error: Information Belongs to Another Person
Complaint Overview
Complaint ID: 13306505
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: Texas
ZIP Code: 75043
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-02T12:00:00-05:00
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 rather than a significant financial loss or ongoing dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 13306505 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 Texas and closed with non-monetary relief. The complaint was received on April 30, 2025 from Texas. 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) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Texas, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
Disputes over incorrect personal information on credit reports are common across the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13306505 about?
CFPB complaint 13306505 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.
Which company is complaint 13306505 filed against?
Complaint 13306505 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 13306505?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13306505 filed?
Complaint 13306505 was received by the CFPB on April 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on May 2, 2025.
What state was complaint 13306505 filed from?
Complaint 13306505 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 13306505?
Dispute information is not available for complaint 13306505.
What product category is complaint 13306505 about?
Complaint 13306505 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 13306505 submitted?
Complaint 13306505 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 13306505?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to 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".
How likely is complaint 13306505 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 13306505?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction rather than a significant financial loss or ongoing dispute.
What regulatory actions apply to complaint 13306505?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information. 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 13306505?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 13306505?
In Texas, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Texas.
How does complaint 13306505 compare to industry norms?
Disputes over incorrect personal information on credit reports are common across the credit reporting industry.
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, providing any supporting documentation. They should also contact the original creditor or furnisher of the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.