Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15013011
Consumer Disputes Unauthorized Credit Report Entries
Complaint Overview
Complaint ID: 15013011
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Ohio
ZIP Code: 43609
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate identity theft or reporting errors.
Consumer Sentiment: negative
Topics: Credit reporting, Identity theft, Credit inquiries
AI Analysis
CFPB complaint 15013011 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer reported unauthorized and incorrect information on their credit report to TransUnion, seeking its removal. The complaint was received on July 31, 2025 from Ohio. The company responded with "Closed with non-monetary relief".
Consumer Narrative
Please remove unauthorized and incorrect information on my credit report : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any inaccuracies or unauthorized activity immediately with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or incomplete information on their credit reports.
Regulatory Insight
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days, and correct any verified inaccuracies.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer resides in Ohio, and the complaint was filed with TransUnion, a major credit reporting agency.
Industry Comparison
This is a common issue within the credit reporting industry, with many consumers experiencing and disputing errors on their reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15013011 about?
CFPB complaint 15013011 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2025.
Which company is complaint 15013011 filed against?
Complaint 15013011 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 15013011?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 15013011 filed?
Complaint 15013011 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 15013011 filed from?
Complaint 15013011 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 15013011?
Dispute information is not available for complaint 15013011.
What product category is complaint 15013011 about?
Complaint 15013011 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 15013011 submitted?
Complaint 15013011 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 15013011?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or incomplete information on their credit reports. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Improper use of your report".
How likely is complaint 15013011 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15013011?
This complaint is rated as medium risk. The presence of unauthorized credit inquiries can negatively impact a consumer's credit score and may indicate identity theft or reporting errors.
What regulatory actions apply to complaint 15013011?
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days, and correct any verified inaccuracies. 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 15013011?
Consumers should regularly review their credit reports for accuracy and dispute any inaccuracies or unauthorized activity immediately with the credit reporting agency.
Are there state-specific protections for complaint 15013011?
The consumer resides in Ohio, and the complaint was filed with TransUnion, a major credit reporting agency. This complaint was filed from Ohio.
How does complaint 15013011 compare to industry norms?
This is a common issue within the credit reporting industry, with many consumers experiencing and disputing errors on their reports.
What steps should a consumer take if they suspect their identity has been compromised due to unauthorized credit inquiries?
If identity theft is suspected, the consumer should file a police report, place a fraud alert on their credit reports with all three major bureaus, and consider a credit freeze.
How long does TransUnion typically take to investigate a dispute regarding unauthorized credit inquiries?
Under the FCRA, TransUnion generally has 30 days to investigate a dispute, which can be extended to 45 days under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.