Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012969
TransUnion Accused of Incorrect Credit Report Status
Complaint Overview
Complaint ID: 15012969
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 status incorrect
State: Indiana
ZIP Code: 46234
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
Incorrect account status on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 15012969 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 status information on their credit report from TransUnion Intermediate Holdings, Inc. The complaint was received on July 31, 2025 from Indiana. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility to ensure the accuracy of the information they report and to correct errors promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in Indiana and was reported via the web.
Industry Comparison
Disputes over incorrect account status are common in the credit reporting industry, affecting major bureaus like TransUnion.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012969 about?
CFPB complaint 15012969 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.
Which company is complaint 15012969 filed against?
Complaint 15012969 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 15012969?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012969 filed?
Complaint 15012969 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 15012969 filed from?
Complaint 15012969 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 15012969?
Dispute information is not available for complaint 15012969.
What product category is complaint 15012969 about?
Complaint 15012969 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 15012969 submitted?
Complaint 15012969 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 15012969?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding 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 15012969 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 15012969?
This complaint is rated as medium risk. Incorrect account status on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
What regulatory actions apply to complaint 15012969?
Credit reporting agencies have a responsibility to ensure the accuracy of the information they report and to correct errors promptly. 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 15012969?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 15012969?
This issue occurred in Indiana and was reported via the web. This complaint was filed from Indiana.
How does complaint 15012969 compare to industry norms?
Disputes over incorrect account status are common in the credit reporting industry, affecting major bureaus like TransUnion.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information after the initial submission.
What recourse does a consumer have if the credit reporting agency fails to correct the inaccurate information?
If the agency fails to correct the information after a valid dispute, the consumer may have grounds to sue for damages under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.