Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634807
TransUnion Credit Report Shows Incorrect Account Status
Complaint Overview
Complaint ID: 15634807
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: Arkansas
ZIP Code: 72501
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
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 involves incorrect information on a credit report, which is typically resolvable through direct communication with the credit bureau.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 15634807 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 to TransUnion, which was closed with an explanation. The complaint was received on August 31, 2025 from Arkansas. 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 with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute inaccuracies.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct any inaccurate information promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
This complaint originated in Arkansas.
Industry Comparison
Credit reporting agencies are generally expected to maintain accurate records, and disputes over account status are common.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634807 about?
CFPB complaint 15634807 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 August 31, 2025.
Which company is complaint 15634807 filed against?
Complaint 15634807 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 15634807?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634807 filed?
Complaint 15634807 was received by the CFPB on August 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on August 31, 2025.
What state was complaint 15634807 filed from?
Complaint 15634807 was filed from Arkansas. You can view all complaints from this state at /state/AR.
Was the consumer satisfied with the resolution of complaint 15634807?
Dispute information is not available for complaint 15634807.
What product category is complaint 15634807 about?
Complaint 15634807 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 15634807 submitted?
Complaint 15634807 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 15634807?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute inaccuracies. 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 15634807 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 15634807?
This complaint is rated as low risk. The risk is low as the issue involves incorrect information on a credit report, which is typically resolvable through direct communication with the credit bureau.
What regulatory actions apply to complaint 15634807?
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct any inaccurate information 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 15634807?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency.
Are there state-specific protections for complaint 15634807?
This complaint originated in Arkansas. This complaint was filed from Arkansas.
How does complaint 15634807 compare to industry norms?
Credit reporting agencies are generally expected to maintain accurate records, and disputes over account status are common.
What steps should a consumer take if they find incorrect account status information on their credit report?
The consumer should first dispute the information directly with the credit reporting agency (TransUnion in this case) in writing, providing any supporting documentation. If the issue is not resolved, they can file a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.