Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634885
TransUnion Mishandles Identity on Credit Report
Complaint Overview
Complaint ID: 15634885
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: Florida
ZIP Code: 32244
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
The risk is medium because incorrect information on a credit report, especially when it involves someone else's identity, can significantly impact a consumer's financial standing and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 15634885 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 Florida. The complaint was received on August 31, 2025 from Florida. 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 immediately with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on a consumer's report.
Regulatory Insight
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes promptly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common in the credit reporting industry, where errors in data aggregation and identity verification can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634885 about?
CFPB complaint 15634885 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 15634885 filed against?
Complaint 15634885 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 15634885?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634885 filed?
Complaint 15634885 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 15634885 filed from?
Complaint 15634885 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 15634885?
Dispute information is not available for complaint 15634885.
What product category is complaint 15634885 about?
Complaint 15634885 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 15634885 submitted?
Complaint 15634885 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 15634885?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on a consumer's report. 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 15634885 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 15634885?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report, especially when it involves someone else's identity, can significantly impact a consumer's financial standing and ability to obtain credit.
What regulatory actions apply to complaint 15634885?
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes 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 15634885?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit reporting agency.
Are there state-specific protections for complaint 15634885?
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Florida.
How does complaint 15634885 compare to industry norms?
This issue is common in the credit reporting industry, where errors in data aggregation and identity verification can lead to significant consumer harm.
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 provide any supporting documentation. They should also consider filing a complaint with the CFPB if the issue is not resolved.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days in certain circumstances) to investigate a consumer's dispute and respond.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.