Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012934

CFPB complaint 15012934 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 July 31, 2025.

Complaint 15012934 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 15012934 was received by the CFPB on July 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.

Complaint 15012934 was filed from California. You can view all complaints from this state at /state/CA.

Dispute information is not available for complaint 15012934.

Complaint 15012934 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 15012934 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 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".

Resolution likelihood: likely. 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. Incorrect information on a credit report, especially when it pertains to another individual's identity, can significantly impact a consumer's financial standing and requires careful investigation by the credit bureau.

Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to correct errors when identified. 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 for accuracy and dispute any incorrect information promptly with the credit reporting agency.

In California, consumers have specific rights regarding credit reporting and dispute resolution under state law, in addition to federal protections. This complaint was filed from California.

This issue is common within the credit reporting industry, as errors in data aggregation and matching can lead to mixed files or incorrect reporting.

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

Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that 30-day period.