Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634823
TransUnion Credit Report Error: Information Belongs to Another Person
Complaint Overview
Complaint ID: 15634823
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: Missouri
ZIP Code: 63857
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: medium
Incorrectly reported information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, Consumer Rights
AI Analysis
CFPB complaint 15634823 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 belonged to someone else, which was handled by TransUnion Intermediate Holdings, Inc. in Missouri and closed with an explanation. The complaint was received on August 31, 2025 from Missouri. 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 errors promptly 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 reporting agencies have a responsibility under the FCRA to investigate disputes and correct any inaccurate information.
Resolution Likelihood
likely
State-Specific Consumer Protections
Missouri residents are subject to the same federal credit reporting laws as consumers nationwide.
Industry Comparison
This issue is common in the credit reporting industry, as errors can occur during data aggregation and reporting processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634823 about?
CFPB complaint 15634823 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 August 31, 2025.
Which company is complaint 15634823 filed against?
Complaint 15634823 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 15634823?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634823 filed?
Complaint 15634823 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 15634823 filed from?
Complaint 15634823 was filed from Missouri. You can view all complaints from this state at /state/MO.
Was the consumer satisfied with the resolution of complaint 15634823?
Dispute information is not available for complaint 15634823.
What product category is complaint 15634823 about?
Complaint 15634823 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 15634823 submitted?
Complaint 15634823 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 15634823?
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 15634823 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 15634823?
This complaint is rated as medium risk. Incorrectly reported information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 15634823?
Credit reporting agencies have a responsibility under the FCRA to investigate disputes and correct any inaccurate information. 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 15634823?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 15634823?
Missouri residents are subject to the same federal credit reporting laws as consumers nationwide. This complaint was filed from Missouri.
How does complaint 15634823 compare to industry norms?
This issue is common in the credit reporting industry, as errors can occur during data aggregation and reporting processes.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence that the information belongs to another individual. They may also consider filing a complaint with the CFPB or FTC.
What is the typical timeframe for a credit reporting agency to resolve 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 during that period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.