Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944018
Incorrect Identity Association on TransUnion Credit Report
Complaint Overview
Complaint ID: 20944018
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: South Carolina
ZIP Code: 29730
Date Received: 2026-04-04T12:00:00-05:00
Date Sent to Company: 2026-04-04T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly associating another person's information on a credit report can lead to significant financial harm and denial of credit for the consumer.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, FCRA
AI Analysis
CFPB complaint 20944018 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 is disputing incorrect information on their credit report, specifically that information belonging to someone else has been associated with their TransUnion report. The complaint was received on April 4, 2026 from South Carolina. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any inaccurate information with the credit bureau and the furnisher of the information, providing evidence to support their claim.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit bureaus investigate disputes and correct inaccurate information in a timely manner.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to maintain reasonable procedures to prevent such errors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In South Carolina, consumers have rights under state and federal law to dispute credit report inaccuracies.
Industry Comparison
This issue is common across the credit reporting industry, where data errors or identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944018 about?
CFPB complaint 20944018 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 April 4, 2026.
Which company is complaint 20944018 filed against?
Complaint 20944018 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 20944018?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944018 filed?
Complaint 20944018 was received by the CFPB on April 4, 2026. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on April 4, 2026.
What state was complaint 20944018 filed from?
Complaint 20944018 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 20944018?
Dispute information is not available for complaint 20944018.
What product category is complaint 20944018 about?
Complaint 20944018 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 20944018 submitted?
Complaint 20944018 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 20944018?
The Fair Credit Reporting Act (FCRA) mandates that credit bureaus investigate disputes and correct inaccurate information in a timely manner. 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 20944018 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20944018?
This complaint is rated as medium risk. Incorrectly associating another person's information on a credit report can lead to significant financial harm and denial of credit for the consumer.
What regulatory actions apply to complaint 20944018?
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to maintain reasonable procedures to prevent such errors. 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 20944018?
Consumers should immediately dispute any inaccurate information with the credit bureau and the furnisher of the information, providing evidence to support their claim.
Are there state-specific protections for complaint 20944018?
In South Carolina, consumers have rights under state and federal law to dispute credit report inaccuracies. This complaint was filed from South Carolina.
How does complaint 20944018 compare to industry norms?
This issue is common across the credit reporting industry, where data errors or identity mix-ups can occur.
What steps should a consumer take if they suspect their identity has been confused with someone else's on their credit report?
The consumer should file a dispute with the credit bureau (TransUnion in this case) and the original creditor or data furnisher. They should provide documentation like proof of address and identity to show the information does not belong to them.
How long does a credit bureau have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.