Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944082
Incorrect Identity on Credit Report Dispute
Complaint Overview
Complaint ID: 20944082
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: Washington
ZIP Code: 99341
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: high
The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, FCRA
AI Analysis
CFPB complaint 20944082 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 attributed to them, with TransUnion in Washington state. The complaint was received on April 4, 2026 from Washington. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any inaccurate information on their credit report with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to 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 investigate consumer disputes thoroughly.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Washington state, consumers have additional protections under the state's Consumer Protection Act, which may apply to credit reporting disputes.
Industry Comparison
This issue is common in the credit reporting industry, as errors in data aggregation and identity matching can lead to such disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944082 about?
CFPB complaint 20944082 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 20944082 filed against?
Complaint 20944082 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 20944082?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944082 filed?
Complaint 20944082 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 20944082 filed from?
Complaint 20944082 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 20944082?
Dispute information is not available for complaint 20944082.
What product category is complaint 20944082 about?
Complaint 20944082 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 20944082 submitted?
Complaint 20944082 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 20944082?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to 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 20944082 to be resolved?
Resolution likelihood: likely. 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 20944082?
This complaint is rated as high risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 20944082?
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate consumer disputes thoroughly. 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 20944082?
Consumers should immediately dispute any inaccurate information on their credit report with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20944082?
In Washington state, consumers have additional protections under the state's Consumer Protection Act, which may apply to credit reporting disputes. This complaint was filed from Washington.
How does complaint 20944082 compare to industry norms?
This issue is common in the credit reporting industry, as errors in data aggregation and identity matching can lead to such disputes.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should file a dispute with the credit reporting agency (TransUnion in this case) and the creditor that reported the information. They should provide documentation to support their claim, such as proof of identity and evidence that the information belongs to another individual.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.