Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9149497
Consumer Disputes Unauthorized Credit Inquiries
Complaint Overview
Complaint ID: 9149497
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 is missing that should be on the report
State: Illinois
ZIP Code: 60175
Date Received: 2024-05-31T12:00:00-05:00
Date Sent to Company: 2024-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Unauthorized inquiries can negatively impact credit scores and indicate potential identity theft or misuse of personal information.
Consumer Sentiment: negative
Topics: Credit reporting, Unauthorized inquiries, FCRA
AI Analysis
CFPB complaint 9149497 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 disputed unauthorized inquiries on their credit report with TransUnion, seeking their removal. The complaint was received on May 31, 2024 from Illinois. The company responded with "Closed with non-monetary relief".
Consumer Narrative
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any unauthorized inquiries or accounts immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or incomplete information on their credit reports, including unauthorized inquiries.
Regulatory Insight
Credit bureaus must investigate disputes within a reasonable timeframe, typically 30 days, and remove inaccurate information if verified.
Resolution Likelihood
likely
State-Specific Consumer Protections
Illinois consumers have rights under state and federal laws to ensure the accuracy of their credit information.
Industry Comparison
This issue is common across the credit reporting industry, with consumers frequently disputing unauthorized access to their credit data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9149497 about?
CFPB complaint 9149497 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information is missing that should be on the report". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on May 31, 2024.
Which company is complaint 9149497 filed against?
Complaint 9149497 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 9149497?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9149497 filed?
Complaint 9149497 was received by the CFPB on May 31, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on May 31, 2024.
What state was complaint 9149497 filed from?
Complaint 9149497 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 9149497?
Dispute information is not available for complaint 9149497.
What product category is complaint 9149497 about?
Complaint 9149497 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 9149497 submitted?
Complaint 9149497 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 9149497?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate or incomplete information on their credit reports, including unauthorized inquiries. 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 9149497 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9149497?
This complaint is rated as medium risk. Unauthorized inquiries can negatively impact credit scores and indicate potential identity theft or misuse of personal information.
What regulatory actions apply to complaint 9149497?
Credit bureaus must investigate disputes within a reasonable timeframe, typically 30 days, and remove inaccurate information if verified. 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 9149497?
Consumers should regularly review their credit reports for accuracy and dispute any unauthorized inquiries or accounts immediately.
Are there state-specific protections for complaint 9149497?
Illinois consumers have rights under state and federal laws to ensure the accuracy of their credit information. This complaint was filed from Illinois.
How does complaint 9149497 compare to industry norms?
This issue is common across the credit reporting industry, with consumers frequently disputing unauthorized access to their credit data.
What steps should a consumer take if they suspect their identity has been compromised due to unauthorized inquiries?
If identity theft is suspected, consumers should file a police report, place a fraud alert on their credit reports with all three major bureaus, and consider a credit freeze.
How long does a credit bureau typically have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a consumer's dispute, with a possible extension to 45 days if additional information is provided by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.