Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012945
TransUnion Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 15012945
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: California
ZIP Code: 91915
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 15012945 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 that incorrect information, specifically that of another individual, appeared on their credit report from TransUnion. The complaint was received on July 31, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should dispute any inaccurate information on their credit report directly with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate credit information and must have processes in place to prevent and correct such errors.
Resolution Likelihood
likely
State-Specific Consumer Protections
California consumers are protected by state laws that may offer additional rights regarding credit reporting.
Industry Comparison
This issue is common in the credit reporting industry, highlighting the need for robust data verification processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012945 about?
CFPB complaint 15012945 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.
Which company is complaint 15012945 filed against?
Complaint 15012945 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 15012945?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012945 filed?
Complaint 15012945 was received by the CFPB on July 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.
What state was complaint 15012945 filed from?
Complaint 15012945 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 15012945?
Dispute information is not available for complaint 15012945.
What product category is complaint 15012945 about?
Complaint 15012945 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 15012945 submitted?
Complaint 15012945 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 15012945?
The Fair Credit Reporting Act (FCRA) requires credit bureaus 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 15012945 to be resolved?
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.
What does the risk level mean for complaint 15012945?
This complaint is rated as medium risk. Incorrectly reported information, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 15012945?
Credit bureaus have a responsibility to maintain accurate 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 15012945?
Consumers should dispute any inaccurate information on their credit report directly with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 15012945?
California consumers are protected by state laws that may offer additional rights regarding credit reporting. This complaint was filed from California.
How does complaint 15012945 compare to industry norms?
This issue is common in the credit reporting industry, highlighting the need for robust data verification processes.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (TransUnion in this case) and the original creditor or entity that provided the information. They should provide any supporting documentation to prove the information is not theirs.
What is the timeframe for credit bureaus to resolve disputes?
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.