Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20944275
TransUnion Credit Report Error: Identity Mix-Up
Complaint Overview
Complaint ID: 20944275
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: 99301
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, housing, or employment, and can be time-consuming to resolve.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Theft
AI Analysis
CFPB complaint 20944275 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 Washington consumer is disputing incorrect information on their credit report from TransUnion, claiming the information belongs to someone else. 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 carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and must have procedures in place to handle disputes regarding identity theft or mixed files.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Washington, consumers have rights under state law in addition to federal protections regarding credit reporting.
Industry Comparison
Disputes over incorrect information, especially mixed files, are a common issue faced by consumers with credit reporting agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20944275 about?
CFPB complaint 20944275 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 20944275 filed against?
Complaint 20944275 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 20944275?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20944275 filed?
Complaint 20944275 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 20944275 filed from?
Complaint 20944275 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 20944275?
Dispute information is not available for complaint 20944275.
What product category is complaint 20944275 about?
Complaint 20944275 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 20944275 submitted?
Complaint 20944275 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 20944275?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. 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 20944275 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 20944275?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment, and can be time-consuming to resolve.
What regulatory actions apply to complaint 20944275?
Credit reporting agencies have a responsibility to maintain accurate records and must have procedures in place to handle disputes regarding identity theft or mixed files. 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 20944275?
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 20944275?
In Washington, consumers have rights under state law in addition to federal protections regarding credit reporting. This complaint was filed from Washington.
How does complaint 20944275 compare to industry norms?
Disputes over incorrect information, especially mixed files, are a common issue faced by consumers with credit reporting agencies.
What steps should a consumer take if they suspect their credit report contains information belonging to someone else?
The consumer should immediately dispute the inaccurate information with the credit bureau and provide evidence of the error, such as documentation proving the information belongs to another individual.
How long does a credit bureau typically have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information related to the dispute during that time.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.