Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874005
Credit Report Error: Information Belongs to Another Individual
Complaint Overview
Complaint ID: 19874005
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: Tennessee
ZIP Code: 38109
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-02-28T12:00:00-05:00
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 straightforward correction rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 19874005 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 belonged to someone else, which was handled by TransUnion Intermediate Holdings, Inc. in Tennessee and closed with non-monetary relief. The complaint was received on February 28, 2026 from Tennessee. 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 importance of credit bureaus having robust processes to identify and rectify instances where consumer data is misattributed.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Tennessee, consumers have recourse through the FCRA to address inaccuracies on their credit reports.
Industry Comparison
Credit reporting agencies are generally expected to maintain accurate data, and errors like this, while not uncommon, are typically resolved through dispute processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874005 about?
CFPB complaint 19874005 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 February 28, 2026.
Which company is complaint 19874005 filed against?
Complaint 19874005 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 19874005?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19874005 filed?
Complaint 19874005 was received by the CFPB on February 28, 2026. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on February 28, 2026.
What state was complaint 19874005 filed from?
Complaint 19874005 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 19874005?
Dispute information is not available for complaint 19874005.
What product category is complaint 19874005 about?
Complaint 19874005 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 19874005 submitted?
Complaint 19874005 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 19874005?
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 19874005 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 19874005?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a straightforward correction rather than a systemic problem.
What regulatory actions apply to complaint 19874005?
This case highlights the importance of credit bureaus having robust processes to identify and rectify instances where consumer data is misattributed. 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 19874005?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 19874005?
In Tennessee, consumers have recourse through the FCRA to address inaccuracies on their credit reports. This complaint was filed from Tennessee.
How does complaint 19874005 compare to industry norms?
Credit reporting agencies are generally expected to maintain accurate data, and errors like this, while not uncommon, are typically resolved through dispute processes.
What steps should a consumer take if they find information belonging to someone else on their credit report?
The consumer should immediately dispute the information with the credit reporting agency, providing evidence that the information is not theirs. They should also consider notifying the original creditor.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.