Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634934
Credit Report Mixed Up with Another Individual's Information
Complaint Overview
Complaint ID: 15634934
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: New Jersey
ZIP Code: 08069
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without significant financial impact.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 15634934 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, and the issue was closed with non-monetary relief. The complaint was received on August 31, 2025 from New Jersey. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and credit bureaus to investigate disputes.
Regulatory Insight
This case highlights the importance of credit bureaus having robust processes to identify and correct instances where consumer data is erroneously linked to the wrong individual.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634934 about?
CFPB complaint 15634934 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 15634934 filed against?
Complaint 15634934 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 15634934?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 15634934 filed?
Complaint 15634934 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 15634934 filed from?
Complaint 15634934 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 15634934?
Dispute information is not available for complaint 15634934.
What product category is complaint 15634934 about?
Complaint 15634934 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 15634934 submitted?
Complaint 15634934 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 15634934?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and credit bureaus to investigate disputes. 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 15634934 to be resolved?
Resolution likelihood: unlikely. 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 15634934?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without significant financial impact.
What regulatory actions apply to complaint 15634934?
This case highlights the importance of credit bureaus having robust processes to identify and correct instances where consumer data is erroneously linked to the wrong 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 15634934?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 15634934?
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from New Jersey.
How does complaint 15634934 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
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 and the furnisher of the information, providing any supporting documentation.
What does 'non-monetary relief' typically entail in a credit reporting dispute?
Non-monetary relief usually involves the correction or removal of inaccurate information from the credit report, rather than a financial payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.