Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634869
Incorrect Identity Information on Credit Report
Complaint Overview
Complaint ID: 15634869
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: Indiana
ZIP Code: 46131
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, especially identity-related, can significantly impact a consumer's creditworthiness and access to financial products.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 15634869 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, which was closed with an explanation. The complaint was received on August 31, 2025 from Indiana. 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 with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information, including the accuracy of reported data.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes regarding inaccurate information, including instances where information may belong to another individual.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This issue is relevant across all states, as credit reporting is a national practice governed by federal law.
Industry Comparison
Disputes over incorrect information, including identity mix-ups, are common in the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634869 about?
CFPB complaint 15634869 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 15634869 filed against?
Complaint 15634869 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 15634869?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634869 filed?
Complaint 15634869 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 15634869 filed from?
Complaint 15634869 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 15634869?
Dispute information is not available for complaint 15634869.
What product category is complaint 15634869 about?
Complaint 15634869 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 15634869 submitted?
Complaint 15634869 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 15634869?
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information, including the accuracy of reported data. 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 15634869 to be resolved?
Resolution likelihood: mixed. 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 15634869?
This complaint is rated as medium risk. Incorrectly reported information, especially identity-related, can significantly impact a consumer's creditworthiness and access to financial products.
What regulatory actions apply to complaint 15634869?
Credit bureaus have a responsibility to investigate disputes regarding inaccurate information, including instances where information may belong to another individual. 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 15634869?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 15634869?
This issue is relevant across all states, as credit reporting is a national practice governed by federal law. This complaint was filed from Indiana.
How does complaint 15634869 compare to industry norms?
Disputes over incorrect information, including identity mix-ups, are common in the credit reporting industry.
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 (TransUnion, in this case) and the original creditor or furnisher of the information, providing evidence to support their claim.
What is the typical timeframe for a credit bureau to investigate a dispute?
Under the FCRA, credit bureaus 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.