Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283095
TransUnion Addresses Incorrect Credit Report Information
Complaint Overview
Complaint ID: 16283095
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: Colorado
ZIP Code: 80922
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
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 a common consumer concern that credit bureaus are equipped to handle.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity
AI Analysis
CFPB complaint 16283095 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. The complaint was received on September 30, 2025 from Colorado. 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 reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring credit bureaus to investigate disputes.
Regulatory Insight
Credit bureaus must have procedures in place to investigate consumer disputes regarding the accuracy of information on credit reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
This complaint originated in Colorado and was closed with an explanation by the credit reporting agency.
Industry Comparison
Credit reporting agencies like TransUnion frequently handle disputes related to incorrect personal information appearing on consumer reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283095 about?
CFPB complaint 16283095 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 September 30, 2025.
Which company is complaint 16283095 filed against?
Complaint 16283095 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 16283095?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283095 filed?
Complaint 16283095 was received by the CFPB on September 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on September 30, 2025.
What state was complaint 16283095 filed from?
Complaint 16283095 was filed from Colorado. You can view all complaints from this state at /state/CO.
Was the consumer satisfied with the resolution of complaint 16283095?
Dispute information is not available for complaint 16283095.
What product category is complaint 16283095 about?
Complaint 16283095 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 16283095 submitted?
Complaint 16283095 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 16283095?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring 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 16283095 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 16283095?
This complaint is rated as low risk. The risk is low as the issue involves incorrect information on a credit report, which is a common consumer concern that credit bureaus are equipped to handle.
What regulatory actions apply to complaint 16283095?
Credit bureaus must have procedures in place to investigate consumer disputes regarding the accuracy of information on credit reports. 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 16283095?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency.
Are there state-specific protections for complaint 16283095?
This complaint originated in Colorado and was closed with an explanation by the credit reporting agency. This complaint was filed from Colorado.
How does complaint 16283095 compare to industry norms?
Credit reporting agencies like TransUnion frequently handle disputes related to incorrect personal information appearing on consumer reports.
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 any supporting documentation. The agency is then required by the FCRA to investigate the claim.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.