Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383699
TransUnion Credit Report Mixed Up with Another Individual's Information
Complaint Overview
Complaint ID: 14383699
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: Delaware
ZIP Code: 19947
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to identity theft concerns.
Consumer Sentiment: mixed
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 14383699 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 from TransUnion, stating that information belonging to someone else was present, and the issue was closed with non-monetary relief. The complaint was received on June 30, 2025 from Delaware. 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 immediately with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate consumer credit information and must have processes in place to prevent and correct such errors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue occurred in Delaware, highlighting the need for vigilance in credit reporting accuracy across all states.
Industry Comparison
Credit reporting agencies are generally expected to maintain high accuracy standards, but errors like this can occur, impacting consumers nationwide.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383699 about?
CFPB complaint 14383699 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 June 30, 2025.
Which company is complaint 14383699 filed against?
Complaint 14383699 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 14383699?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 14383699 filed?
Complaint 14383699 was received by the CFPB on June 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on June 30, 2025.
What state was complaint 14383699 filed from?
Complaint 14383699 was filed from Delaware. You can view all complaints from this state at /state/DE.
Was the consumer satisfied with the resolution of complaint 14383699?
Dispute information is not available for complaint 14383699.
What product category is complaint 14383699 about?
Complaint 14383699 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 14383699 submitted?
Complaint 14383699 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 14383699?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer 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 14383699 to be resolved?
Resolution likelihood: mixed. 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 14383699?
This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to identity theft concerns.
What regulatory actions apply to complaint 14383699?
Credit bureaus have a responsibility to maintain accurate consumer credit information and must have processes in place to prevent and correct such errors. 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 14383699?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit bureau.
Are there state-specific protections for complaint 14383699?
This issue occurred in Delaware, highlighting the need for vigilance in credit reporting accuracy across all states. This complaint was filed from Delaware.
How does complaint 14383699 compare to industry norms?
Credit reporting agencies are generally expected to maintain high accuracy standards, but errors like this can occur, impacting consumers nationwide.
What steps should a consumer take if they discover someone else's information on their credit report?
Immediately dispute the inaccurate information with the credit reporting agency (TransUnion in this case) and provide any supporting documentation. Also, consider placing a fraud alert on your credit file.
What does 'closed with non-monetary relief' typically mean in a credit reporting dispute?
It means the issue was resolved without the credit bureau paying the consumer money, but rather by correcting the inaccurate information on the report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.