Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944067
TransUnion Credit Report Error: Identity Mix-Up
Complaint Overview
Complaint ID: 20944067
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: Ohio
ZIP Code: 43607
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
The risk is medium because incorrect information on a credit report can negatively impact a consumer's financial opportunities, and the dispute process can be time-consuming.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20944067 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 from TransUnion, alleging the information belongs to someone else. The complaint was received on April 4, 2026 from Ohio. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports.
Regulatory Insight
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe and correct any inaccuracies found.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Ohio, and the complaint is being handled by the CFPB.
Industry Comparison
Disputes over incorrect personal information are common in the credit reporting industry, often stemming from data entry errors or identity issues.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944067 about?
CFPB complaint 20944067 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 20944067 filed against?
Complaint 20944067 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 20944067?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944067 filed?
Complaint 20944067 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 20944067 filed from?
Complaint 20944067 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 20944067?
Dispute information is not available for complaint 20944067.
What product category is complaint 20944067 about?
Complaint 20944067 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 20944067 submitted?
Complaint 20944067 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 20944067?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports. 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 20944067 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 20944067?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's financial opportunities, and the dispute process can be time-consuming.
What regulatory actions apply to complaint 20944067?
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe and correct any inaccuracies found. 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 20944067?
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 20944067?
The consumer is located in Ohio, and the complaint is being handled by the CFPB. This complaint was filed from Ohio.
How does complaint 20944067 compare to industry norms?
Disputes over incorrect personal information are common in the credit reporting industry, often stemming from data entry errors or identity issues.
What steps should a consumer take if they suspect their credit report contains information belonging to someone else?
The consumer should immediately contact the credit reporting agency (e.g., TransUnion, Equifax, Experian) to dispute the information and provide evidence that it does not belong to them. They should also consider filing a police report if identity theft is suspected.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute after receiving it, with a possible extension to 45 days if the consumer provides additional information during the initial 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.