Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9149561

Incorrect Identity Information on Credit Report Resolved Without Monetary Compensation

Complaint Overview

Complaint ID: 9149561

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: Massachusetts

ZIP Code: 01104

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, indicating a likely correction of the reporting error without significant financial impact.

Consumer Sentiment: neutral

Topics: Credit reporting, Incorrect information, Identity theft

AI Analysis

CFPB complaint 9149561 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 reported incorrect information on their credit report, specifically that information belonging to someone else was present, which was closed with non-monetary relief. The complaint was received on May 31, 2024 from Massachusetts. 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 reports and the process for addressing identity-related reporting errors.

Resolution Likelihood

likely

State-Specific Consumer Protections

The complaint originated in Massachusetts, a state with its own consumer protection laws that may supplement federal regulations.

Industry Comparison

This is a common issue within the credit reporting industry, where data inaccuracies can lead to significant consumer distress.

Related Issues

Disputing credit report errors

Frequently Asked Questions

What is CFPB complaint 9149561 about?

CFPB complaint 9149561 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 9149561 filed against?

Complaint 9149561 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 9149561?

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

When was complaint 9149561 filed?

Complaint 9149561 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 9149561 filed from?

Complaint 9149561 was filed from Massachusetts. You can view all complaints from this state at /state/MA.

Was the consumer satisfied with the resolution of complaint 9149561?

Dispute information is not available for complaint 9149561.

What product category is complaint 9149561 about?

Complaint 9149561 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 9149561 submitted?

Complaint 9149561 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 9149561?

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 9149561 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 9149561?

This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a likely correction of the reporting error without significant financial impact.

What regulatory actions apply to complaint 9149561?

This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit reports and the process for addressing identity-related reporting errors. 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 9149561?

Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.

Are there state-specific protections for complaint 9149561?

The complaint originated in Massachusetts, a state with its own consumer protection laws that may supplement federal regulations. This complaint was filed from Massachusetts.

How does complaint 9149561 compare to industry norms?