Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944172
TransUnion Credit Report Error: Identity Mix-Up
Complaint Overview
Complaint ID: 20944172
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: 43205
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 ability to obtain credit, housing, or employment, and requires timely correction by the credit bureau.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20944172 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 Ohio. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly 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) mandates that credit reporting agencies investigate disputes within a reasonable timeframe.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to correct errors when identified.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Ohio, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes.
Industry Comparison
This is a common issue within the credit reporting industry, where data inaccuracies can arise from various sources.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944172 about?
CFPB complaint 20944172 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 20944172 filed against?
Complaint 20944172 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 20944172?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944172 filed?
Complaint 20944172 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 20944172 filed from?
Complaint 20944172 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 20944172?
Dispute information is not available for complaint 20944172.
What product category is complaint 20944172 about?
Complaint 20944172 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 20944172 submitted?
Complaint 20944172 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 20944172?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable timeframe. 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 20944172 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 20944172?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment, and requires timely correction by the credit bureau.
What regulatory actions apply to complaint 20944172?
Credit bureaus have a responsibility under the FCRA to ensure the accuracy of the information they report and to correct errors when identified. 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 20944172?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 20944172?
The complaint was filed in Ohio, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes. This complaint was filed from Ohio.
How does complaint 20944172 compare to industry norms?
This is a common issue within the credit reporting industry, where data inaccuracies can arise from various sources.
What steps should a consumer take if they suspect their credit report contains information belonging to another individual?
The consumer should immediately file a dispute with the credit reporting agency (TransUnion, Equifax, Experian) and provide any supporting documentation to prove the information is not theirs.
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, 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.