Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944079
TransUnion Dispute: Incorrect Identity on Credit Report
Complaint Overview
Complaint ID: 20944079
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: Georgia
ZIP Code: 30312
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 lead to denial of credit, higher interest rates, and significant financial distress for the consumer.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20944079 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 with TransUnion, alleging the information belongs to someone else. The complaint was received on April 4, 2026 from Georgia. 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 incorrect information 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, typically 30 days.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Georgia, and state laws may offer additional protections or avenues for resolution.
Industry Comparison
This is a common issue within the credit reporting industry, where errors can arise from data aggregation or identity mix-ups.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944079 about?
CFPB complaint 20944079 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 20944079 filed against?
Complaint 20944079 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 20944079?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944079 filed?
Complaint 20944079 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 20944079 filed from?
Complaint 20944079 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 20944079?
Dispute information is not available for complaint 20944079.
What product category is complaint 20944079 about?
Complaint 20944079 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 20944079 submitted?
Complaint 20944079 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 20944079?
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 20944079 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 20944079?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can lead to denial of credit, higher interest rates, and significant financial distress for the consumer.
What regulatory actions apply to complaint 20944079?
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe, typically 30 days. 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 20944079?
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency.
Are there state-specific protections for complaint 20944079?
The complaint originated in Georgia, and state laws may offer additional protections or avenues for resolution. This complaint was filed from Georgia.
How does complaint 20944079 compare to industry norms?
This is a common issue within the credit reporting industry, where errors can arise from data aggregation or identity mix-ups.
What steps should a consumer take if the credit reporting agency fails to resolve the dispute?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB or consult with an attorney specializing in consumer protection law.
How long does TransUnion typically take to investigate such disputes?
TransUnion, like other major credit bureaus, is generally required by the FCRA to investigate disputes within 30 days of receiving them, though this can be extended under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.