Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398409

TransUnion Credit Report Mixed Up Personal Information, Resolved Without Monetary Compensation

Complaint Overview

Complaint ID: 18398409

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: Georgia

ZIP Code: 30238

Date Received: 2025-12-31T12:00:00-05:00

Date Sent to Company: 2026-01-01T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Risk Assessment

Risk Level: low

The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without financial loss to the consumer.

Consumer Sentiment: neutral

Topics: Credit reporting, Incorrect information, Identity confusion

AI Analysis

CFPB complaint 18398409 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 Georgia consumer reported incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by TransUnion and closed with non-monetary relief. The complaint was received on December 31, 2025 from Georgia. The company responded with "Closed with non-monetary relief".

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) mandates that credit reporting agencies investigate disputes regarding inaccurate information on a consumer's report.

Regulatory Insight

This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information and the process for dispute resolution.

Resolution Likelihood

likely

State-Specific Consumer Protections

In Georgia, consumers have the right to dispute inaccurate information on their credit reports, and agencies like TransUnion are required to investigate.

Industry Comparison

This is a common issue within the credit reporting industry, where data errors or misidentification can lead to incorrect reporting.

Related Issues

Disputing credit report errors

Frequently Asked Questions

What is CFPB complaint 18398409 about?

CFPB complaint 18398409 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 December 31, 2025.

Which company is complaint 18398409 filed against?

Complaint 18398409 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 18398409?

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

When was complaint 18398409 filed?

Complaint 18398409 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 18398409 filed from?

Complaint 18398409 was filed from Georgia. You can view all complaints from this state at /state/GA.

Was the consumer satisfied with the resolution of complaint 18398409?

Dispute information is not available for complaint 18398409.

What product category is complaint 18398409 about?

Complaint 18398409 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 18398409 submitted?

Complaint 18398409 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 18398409?

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 18398409 to be resolved?

Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

What does the risk level mean for complaint 18398409?

This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without financial loss to the consumer.

What regulatory actions apply to complaint 18398409?

This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information and the process for dispute resolution. 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 18398409?

Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.

Are there state-specific protections for complaint 18398409?

In Georgia, consumers have the right to dispute inaccurate information on their credit reports, and agencies like TransUnion are required to investigate. This complaint was filed from Georgia.

How does complaint 18398409 compare to industry norms?