Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161230
TransUnion Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 19161230
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: Puerto Rico
ZIP Code: 00917
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 19161230 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 that incorrect information, belonging to someone else, appeared on their credit report from TransUnion. The complaint was received on January 31, 2026 from Puerto Rico. 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) requires credit reporting agencies to ensure the accuracy of the information they maintain.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct inaccurate information promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue is common across credit reporting agencies nationwide, affecting consumers in all states.
Industry Comparison
This is a common type of error reported by consumers against major credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161230 about?
CFPB complaint 19161230 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 January 31, 2026.
Which company is complaint 19161230 filed against?
Complaint 19161230 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 19161230?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161230 filed?
Complaint 19161230 was received by the CFPB on January 31, 2026. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on January 31, 2026.
What state was complaint 19161230 filed from?
Complaint 19161230 was filed from Puerto Rico. You can view all complaints from this state at /state/PR.
Was the consumer satisfied with the resolution of complaint 19161230?
Dispute information is not available for complaint 19161230.
What product category is complaint 19161230 about?
Complaint 19161230 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 19161230 submitted?
Complaint 19161230 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 19161230?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 19161230 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 19161230?
This complaint is rated as medium risk. Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 19161230?
Credit reporting agencies have a responsibility to investigate disputes and correct inaccurate information promptly. 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 19161230?
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 19161230?
This issue is common across credit reporting agencies nationwide, affecting consumers in all states. This complaint was filed from Puerto Rico.
How does complaint 19161230 compare to industry norms?
This is a common type of error reported by consumers against major credit bureaus.
What steps should a consumer take if they discover someone else's information 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 responsibility of a credit reporting agency when incorrect information is reported?
Credit reporting agencies are required by the FCRA to investigate disputes within a reasonable timeframe, typically 30 days, and correct any inaccurate information found.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.