Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15013009

Identity Mix-Up on Credit Report Leads to Closed Case

Complaint Overview

Complaint ID: 15013009

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: North Carolina

ZIP Code: 27409

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 or clarified, rather than indicating a systemic problem.

Consumer Sentiment: neutral

Topics: Credit reporting, Incorrect information, Identity issues

AI Analysis

CFPB complaint 15013009 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 information on their credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on July 31, 2025 from North Carolina. 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, requiring furnishers to investigate disputes.

Regulatory Insight

This case highlights the importance of credit bureaus having robust processes to identify and correct instances where consumer data may be erroneously linked.

Resolution Likelihood

unlikely

State-Specific Consumer Protections

In North Carolina, consumers have rights under FCRA to dispute inaccurate information on their credit reports.

Industry Comparison

Credit reporting agencies like TransUnion are expected to maintain accurate data, and errors like this, while not uncommon, are a key area of focus for regulatory oversight.

Related Issues

Incorrect personal information on credit report

Frequently Asked Questions

What is CFPB complaint 15013009 about?

CFPB complaint 15013009 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 15013009 filed against?

Complaint 15013009 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 15013009?

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.

When was complaint 15013009 filed?

Complaint 15013009 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 15013009 filed from?

Complaint 15013009 was filed from North Carolina. You can view all complaints from this state at /state/NC.

Was the consumer satisfied with the resolution of complaint 15013009?

Dispute information is not available for complaint 15013009.

What product category is complaint 15013009 about?

Complaint 15013009 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 15013009 submitted?

Complaint 15013009 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 15013009?

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers to investigate disputes. 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 15013009 to be resolved?

Resolution likelihood: unlikely. 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 15013009?

This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed or clarified, rather than indicating a systemic problem.

What regulatory actions apply to complaint 15013009?

This case highlights the importance of credit bureaus having robust processes to identify and correct instances where consumer data may be erroneously linked. 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 15013009?

Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.

Are there state-specific protections for complaint 15013009?

In North Carolina, consumers have rights under FCRA to dispute inaccurate information on their credit reports. This complaint was filed from North Carolina.

How does complaint 15013009 compare to industry norms?