Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398689
Credit Report Mixed Up with Another Individual's Information
Complaint Overview
Complaint ID: 18398689
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: Maryland
ZIP Code: 20746
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 significant financial impact or ongoing dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 18398689 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 Maryland consumer reported incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by TransUnion Intermediate Holdings, Inc. and closed with non-monetary relief. The complaint was received on December 31, 2025 from Maryland. 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) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the FCRA's requirement for accuracy in credit reporting and the process for addressing consumer disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Maryland, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors or misidentification can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398689 about?
CFPB complaint 18398689 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 18398689 filed against?
Complaint 18398689 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 18398689?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18398689 filed?
Complaint 18398689 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 18398689 filed from?
Complaint 18398689 was filed from Maryland. You can view all complaints from this state at /state/MD.
Was the consumer satisfied with the resolution of complaint 18398689?
Dispute information is not available for complaint 18398689.
What product category is complaint 18398689 about?
Complaint 18398689 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 18398689 submitted?
Complaint 18398689 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 18398689?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. 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 18398689 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 18398689?
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 significant financial impact or ongoing dispute.
What regulatory actions apply to complaint 18398689?
This case highlights the FCRA's requirement for accuracy in credit reporting and the process for addressing consumer disputes. 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 18398689?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18398689?
In Maryland, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Maryland.
How does complaint 18398689 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors or misidentification 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 bureau, providing evidence to support their claim. They should also contact the original creditor if applicable.
What does 'closed with non-monetary relief' typically mean in a credit reporting dispute?
It means the issue was resolved through actions like correcting information, removing inaccurate entries, or providing explanations, rather than through financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.