Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9149548
TransUnion Report Mixed Up Identities, Resolved Without Payment
Complaint Overview
Complaint ID: 9149548
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: Florida
ZIP Code: 32958
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: low
The risk is low as the issue was resolved with non-monetary relief, suggesting no direct financial loss or ongoing dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity mix-up
AI Analysis
CFPB complaint 9149548 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 Florida consumer reported incorrect information on their credit report, specifically that information belonging to someone else was associated with their TransUnion report, which was closed with non-monetary relief. The complaint was received on May 31, 2024 from Florida. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
Credit reporting agencies often face disputes regarding identity mix-ups, with resolutions varying based on the nature of the error.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9149548 about?
CFPB complaint 9149548 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 May 31, 2024.
Which company is complaint 9149548 filed against?
Complaint 9149548 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 9149548?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9149548 filed?
Complaint 9149548 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 9149548 filed from?
Complaint 9149548 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 9149548?
Dispute information is not available for complaint 9149548.
What product category is complaint 9149548 about?
Complaint 9149548 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 9149548 submitted?
Complaint 9149548 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 9149548?
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 9149548 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 9149548?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, suggesting no direct financial loss or ongoing dispute.
What regulatory actions apply to complaint 9149548?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information. 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 9149548?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9149548?
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Florida.
How does complaint 9149548 compare to industry norms?
Credit reporting agencies often face disputes regarding identity mix-ups, with resolutions varying based on the nature of the error.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on a credit report, removal of fraudulent accounts, or an investigation into the consumer's claims, rather than a direct financial payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.