Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283096
TransUnion Credit Report Mixed Up with Another Individual's Information
Complaint Overview
Complaint ID: 16283096
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: medium
Incorrect information on a credit report, especially when it pertains to another individual's identity, can significantly impact a consumer's financial standing and access to credit.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 16283096 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 handled by TransUnion Intermediate Holdings, Inc. 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 errors, particularly those involving incorrect personal information or accounts that do not belong to them.
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 to ensure the accuracy of the information they provide and to correct errors promptly upon notification.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Colorado consumers are protected by federal credit reporting laws and may have additional state-specific consumer protection regulations.
Industry Comparison
This issue is common within the credit reporting industry, where data errors or misassociations can occur, necessitating robust dispute resolution processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283096 about?
CFPB complaint 16283096 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 16283096 filed against?
Complaint 16283096 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 16283096?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283096 filed?
Complaint 16283096 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 16283096 filed from?
Complaint 16283096 was filed from Colorado. You can view all complaints from this state at /state/CO.
Was the consumer satisfied with the resolution of complaint 16283096?
Dispute information is not available for complaint 16283096.
What product category is complaint 16283096 about?
Complaint 16283096 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 16283096 submitted?
Complaint 16283096 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 16283096?
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 16283096 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 16283096?
This complaint is rated as medium risk. Incorrect information on a credit report, especially when it pertains to another individual's identity, can significantly impact a consumer's financial standing and access to credit.
What regulatory actions apply to complaint 16283096?
Credit reporting agencies have a responsibility to ensure the accuracy of the information they provide and to correct errors promptly upon notification. 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 16283096?
Consumers should regularly review their credit reports for accuracy and dispute any errors, particularly those involving incorrect personal information or accounts that do not belong to them.
Are there state-specific protections for complaint 16283096?
Colorado consumers are protected by federal credit reporting laws and may have additional state-specific consumer protection regulations. This complaint was filed from Colorado.
How does complaint 16283096 compare to industry norms?
This issue is common within the credit reporting industry, where data errors or misassociations can occur, necessitating robust dispute resolution 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 (TransUnion, in this case) and provide any supporting documentation. They should also consider contacting the original creditor if the incorrect information stems from a specific account.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.