Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16961631
TransUnion Credit Report Error: Someone Else's Information Included
Complaint Overview
Complaint ID: 16961631
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: South Carolina
ZIP Code: 29550
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-10-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
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 theft
AI Analysis
CFPB complaint 16961631 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. in South Carolina. The complaint was received on October 31, 2025 from South Carolina. 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 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 within a reasonable timeframe.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate records and must have processes in place to prevent and correct identity-related reporting errors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In South Carolina, consumers have rights under the FCRA to dispute and correct inaccuracies on their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, as errors in data aggregation and identity matching can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16961631 about?
CFPB complaint 16961631 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 October 31, 2025.
Which company is complaint 16961631 filed against?
Complaint 16961631 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 16961631?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16961631 filed?
Complaint 16961631 was received by the CFPB on October 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on October 31, 2025.
What state was complaint 16961631 filed from?
Complaint 16961631 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 16961631?
Dispute information is not available for complaint 16961631.
What product category is complaint 16961631 about?
Complaint 16961631 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 16961631 submitted?
Complaint 16961631 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 16961631?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information within a reasonable timeframe. 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 16961631 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 16961631?
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 16961631?
Credit bureaus have a responsibility to maintain accurate records and must have processes in place to prevent and correct identity-related reporting errors. 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 16961631?
Consumers should regularly review their credit reports for accuracy and dispute any errors immediately with the credit reporting agency.
Are there state-specific protections for complaint 16961631?
In South Carolina, consumers have rights under the FCRA to dispute and correct inaccuracies on their credit reports. This complaint was filed from South Carolina.
How does complaint 16961631 compare to industry norms?
This issue is common across the credit reporting industry, as errors in data aggregation and identity matching can occur.
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 if the consumer provides additional information during the dispute period) to investigate and respond to a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.