Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012964
TransUnion Credit Report Mixed with Another Individual's Information
Complaint Overview
Complaint ID: 15012964
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: Florida
ZIP Code: 33054
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 attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: mixed
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 15012964 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 Florida consumer reported incorrect information on their credit report, stating that information belonging to someone else was included, which was handled by TransUnion. The complaint was received on July 31, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports.
Regulatory Insight
This case highlights the importance of robust data verification processes by credit bureaus to prevent identity confusion and reporting errors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal law to dispute credit report errors.
Industry Comparison
Credit reporting agencies like TransUnion are expected to maintain accurate records, and errors involving misattributed information are a known issue across the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012964 about?
CFPB complaint 15012964 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 15012964 filed against?
Complaint 15012964 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 15012964?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012964 filed?
Complaint 15012964 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 15012964 filed from?
Complaint 15012964 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 15012964?
Dispute information is not available for complaint 15012964.
What product category is complaint 15012964 about?
Complaint 15012964 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 15012964 submitted?
Complaint 15012964 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 15012964?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in 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 15012964 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 15012964?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 15012964?
This case highlights the importance of robust data verification processes by credit bureaus to prevent identity confusion and reporting 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 15012964?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 15012964?
In Florida, consumers have rights under state and federal law to dispute credit report errors. This complaint was filed from Florida.
How does complaint 15012964 compare to industry norms?
Credit reporting agencies like TransUnion are expected to maintain accurate records, and errors involving misattributed information are a known issue across the industry.
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 provide any supporting documentation. They should also consider disputing it with the original creditor if applicable.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.