Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944194
TransUnion Dispute Over Incorrect Account Information
Complaint Overview
Complaint ID: 20944194
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: Account information incorrect
State: Alabama
ZIP Code: 35111
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
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and requires timely correction.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 20944194 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 account information on their credit report with TransUnion, and the complaint is currently in progress. The complaint was received on April 4, 2026 from Alabama. 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) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute inaccuracies.
Regulatory Insight
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe and correct any verified inaccuracies.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint originated in Alabama, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, affecting major bureaus like TransUnion, Equifax, and Experian.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944194 about?
CFPB complaint 20944194 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on April 4, 2026.
Which company is complaint 20944194 filed against?
Complaint 20944194 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 20944194?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944194 filed?
Complaint 20944194 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 20944194 filed from?
Complaint 20944194 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 20944194?
Dispute information is not available for complaint 20944194.
What product category is complaint 20944194 about?
Complaint 20944194 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 20944194 submitted?
Complaint 20944194 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 20944194?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute inaccuracies. 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 20944194 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 20944194?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and requires timely correction.
What regulatory actions apply to complaint 20944194?
Credit reporting agencies have a legal obligation to investigate disputes within a reasonable timeframe and correct any verified inaccuracies. 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 20944194?
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 20944194?
This complaint originated in Alabama, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes. This complaint was filed from Alabama.
How does complaint 20944194 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, affecting major bureaus like TransUnion, Equifax, and Experian.
What is the typical timeframe for TransUnion to resolve a dispute about incorrect account information?
Under the FCRA, TransUnion generally has 30 days to investigate a dispute, or 45 days if the consumer provides additional information after the initial submission.
What steps should a consumer take if TransUnion fails to resolve the dispute satisfactorily?
If the dispute is not resolved or the information remains inaccurate, the consumer can file a complaint with the CFPB or consider legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.