Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012984
TransUnion Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 15012984
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: Colorado
ZIP Code: 80111
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 complaint was closed with an explanation, suggesting a resolution or clarification was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 15012984 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, and the issue was closed with an explanation. The complaint was received on July 31, 2025 from Colorado. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully 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
This case highlights the importance of credit bureaus maintaining accurate account information and responding to consumer disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Colorado.
Industry Comparison
Credit reporting agencies like TransUnion are expected to handle disputes regarding account information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012984 about?
CFPB complaint 15012984 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 15012984 filed against?
Complaint 15012984 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 15012984?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012984 filed?
Complaint 15012984 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 15012984 filed from?
Complaint 15012984 was filed from Colorado. You can view all complaints from this state at /state/CO.
Was the consumer satisfied with the resolution of complaint 15012984?
Dispute information is not available for complaint 15012984.
What product category is complaint 15012984 about?
Complaint 15012984 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 15012984 submitted?
Complaint 15012984 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 15012984?
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 15012984 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 15012984?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting a resolution or clarification was provided.
What regulatory actions apply to complaint 15012984?
This case highlights the importance of credit bureaus maintaining accurate account information and responding to consumer disputes. 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 15012984?
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 15012984?
The complaint originated in Colorado. This complaint was filed from Colorado.
How does complaint 15012984 compare to industry norms?
Credit reporting agencies like TransUnion are expected to handle disputes regarding account information.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the company provided a response or resolution to the consumer, and the CFPB found the explanation satisfactory or the issue addressed.
What steps should a consumer take if they believe their account information is incorrect on a credit report?
First, review the credit report carefully. If an error is found, dispute it directly with the credit reporting agency (e.g., TransUnion) and the furnisher of the information (e.g., the creditor).
Disclaimer
This analysis is AI-generated and does not constitute legal advice.