Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398301
TransUnion Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 18398301
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: Account information incorrect
State: Pennsylvania
ZIP Code: 19131
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
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 can negatively impact a consumer's ability to obtain credit, leading to potential financial harm.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Account Information
AI Analysis
CFPB complaint 18398301 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 account information on their credit report from TransUnion, which was closed with an explanation. The complaint was received on December 31, 2025 from Pennsylvania. 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 with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports.
Regulatory Insight
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Pennsylvania residents are subject to state and federal consumer protection laws.
Industry Comparison
Credit reporting agencies like TransUnion are expected to maintain accurate consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398301 about?
CFPB complaint 18398301 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on December 31, 2025.
Which company is complaint 18398301 filed against?
Complaint 18398301 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 18398301?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398301 filed?
Complaint 18398301 was received by the CFPB on December 31, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on January 1, 2026.
What state was complaint 18398301 filed from?
Complaint 18398301 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18398301?
Dispute information is not available for complaint 18398301.
What product category is complaint 18398301 about?
Complaint 18398301 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 18398301 submitted?
Complaint 18398301 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 18398301?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of 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 18398301 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 18398301?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, leading to potential financial harm.
What regulatory actions apply to complaint 18398301?
Credit reporting agencies must investigate disputes within a reasonable timeframe, typically 30 days. 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 18398301?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency.
Are there state-specific protections for complaint 18398301?
Pennsylvania residents are subject to state and federal consumer protection laws. This complaint was filed from Pennsylvania.
How does complaint 18398301 compare to industry norms?
Credit reporting agencies like TransUnion are expected to maintain accurate consumer data.
What steps should a consumer take if their dispute is not resolved satisfactorily by the credit bureau?
If a dispute is not resolved, the consumer can file a complaint with the CFPB or consult with an attorney specializing in consumer protection law.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.