Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14654235
Incorrect Identity Information on Credit Report
Complaint Overview
Complaint ID: 14654235
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: Missouri
ZIP Code: 64029
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
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.
Consumer Sentiment: neutral
Topics: Credit Reporting, Identity Theft, Consumer Rights
AI Analysis
CFPB complaint 14654235 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 belonging to someone else was present, which was closed with an explanation. The complaint was received on June 30, 2025 from Missouri. The company responded with "Closed with explanation".
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 a consumer's report.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate records and must have processes in place to prevent and correct identity mix-ups.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue occurred in Missouri, highlighting the need for consumers nationwide to monitor their credit reports.
Industry Comparison
Identity mix-ups on credit reports are a common issue across the credit reporting industry, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14654235 about?
CFPB complaint 14654235 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 14654235 filed against?
Complaint 14654235 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 14654235?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14654235 filed?
Complaint 14654235 was received by the CFPB on June 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 14, 2025.
What state was complaint 14654235 filed from?
Complaint 14654235 was filed from Missouri. You can view all complaints from this state at /state/MO.
Was the consumer satisfied with the resolution of complaint 14654235?
Dispute information is not available for complaint 14654235.
What product category is complaint 14654235 about?
Complaint 14654235 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 14654235 submitted?
Complaint 14654235 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 14654235?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on a consumer's report. 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 14654235 to be resolved?
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.
What does the risk level mean for complaint 14654235?
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.
What regulatory actions apply to complaint 14654235?
Credit bureaus have a responsibility to maintain accurate records and must have processes in place to prevent and correct 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 14654235?
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 14654235?
This issue occurred in Missouri, highlighting the need for consumers nationwide to monitor their credit reports. This complaint was filed from Missouri.
How does complaint 14654235 compare to industry norms?
Identity mix-ups on credit reports are a common issue across the credit reporting industry, affecting many consumers.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately file a dispute with the credit reporting agency (TransUnion, in this case) and provide evidence to support their claim. They should also consider contacting the furnisher of the information if known.
What is the typical timeframe for a credit bureau to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.