Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283097
Incorrect Identity Information on Credit Report Resolved
Complaint Overview
Complaint ID: 16283097
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: Texas
ZIP Code: 75002
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 was closed with an explanation, suggesting it was addressed and resolved by the credit bureau.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 16283097 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 an explanation. The complaint was received on September 30, 2025 from Texas. 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.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports.
Regulatory Insight
Credit bureaus are required to investigate disputes within a reasonable timeframe, typically 30 days, and correct any inaccuracies.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Texas, and the resolution was provided by TransUnion.
Industry Comparison
This is a common type of complaint within the credit reporting industry, often related to identity theft or data entry errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283097 about?
CFPB complaint 16283097 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 16283097 filed against?
Complaint 16283097 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 16283097?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283097 filed?
Complaint 16283097 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 16283097 filed from?
Complaint 16283097 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 16283097?
Dispute information is not available for complaint 16283097.
What product category is complaint 16283097 about?
Complaint 16283097 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 16283097 submitted?
Complaint 16283097 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 16283097?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports. 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 16283097 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 16283097?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit bureau.
What regulatory actions apply to complaint 16283097?
Credit bureaus are required to investigate disputes within a reasonable timeframe, typically 30 days, and correct any inaccuracies. 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 16283097?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 16283097?
The complaint originated in Texas, and the resolution was provided by TransUnion. This complaint was filed from Texas.
How does complaint 16283097 compare to industry norms?
This is a common type of complaint within the credit reporting industry, often related to identity theft or data entry errors.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the information with the credit bureau (TransUnion in this case) and provide any supporting documentation. They should also consider filing a police report if identity theft is suspected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.