Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012956
TransUnion Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 15012956
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: Account information incorrect
State: Iowa
ZIP Code: 50125
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: low
The risk is low as the issue was closed with an explanation, suggesting it was addressed by the credit bureau.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information
AI Analysis
CFPB complaint 15012956 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 account information on their credit report with TransUnion, which was closed with an explanation. The complaint was received on July 31, 2025 from Iowa. 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 promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports.
Regulatory Insight
Credit bureaus are required to investigate disputes and correct inaccuracies within a reasonable timeframe.
Resolution Likelihood
likely
State-Specific Consumer Protections
Iowa residents are subject to federal credit reporting laws, with no specific state-level consumer reporting agency regulations mentioned.
Industry Comparison
This is a common issue across credit reporting agencies, with varying resolution outcomes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012956 about?
CFPB complaint 15012956 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.
Which company is complaint 15012956 filed against?
Complaint 15012956 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 15012956?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012956 filed?
Complaint 15012956 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 15012956 filed from?
Complaint 15012956 was filed from Iowa. You can view all complaints from this state at /state/IA.
Was the consumer satisfied with the resolution of complaint 15012956?
Dispute information is not available for complaint 15012956.
What product category is complaint 15012956 about?
Complaint 15012956 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 15012956 submitted?
Complaint 15012956 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 15012956?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit 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 15012956 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 15012956?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed by the credit bureau.
What regulatory actions apply to complaint 15012956?
Credit bureaus are required to investigate disputes and correct inaccuracies within a reasonable timeframe. 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 15012956?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 15012956?
Iowa residents are subject to federal credit reporting laws, with no specific state-level consumer reporting agency regulations mentioned. This complaint was filed from Iowa.
How does complaint 15012956 compare to industry norms?
This is a common issue across credit reporting agencies, with varying resolution outcomes.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the credit bureau or company responded to the complaint with information or a resolution, but the consumer may not have fully agreed with the outcome or the explanation provided.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.