Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390196
Credit Report Mixed Up with Someone Else's Information
Complaint Overview
Complaint ID: 9390196
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: Tennessee
ZIP Code: 37042
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
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 no direct financial loss or significant ongoing harm to the consumer.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 9390196 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 June 30, 2024 from Tennessee. 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 ensure the accuracy of the information in consumer reports.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate data to prevent identity confusion and reporting errors.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Tennessee, consumers have the right to dispute inaccurate information on their credit reports.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390196 about?
CFPB complaint 9390196 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 June 30, 2024.
Which company is complaint 9390196 filed against?
Complaint 9390196 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 9390196?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390196 filed?
Complaint 9390196 was received by the CFPB on June 30, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on June 30, 2024.
What state was complaint 9390196 filed from?
Complaint 9390196 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 9390196?
Dispute information is not available for complaint 9390196.
What product category is complaint 9390196 about?
Complaint 9390196 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 9390196 submitted?
Complaint 9390196 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 9390196?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports. 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 9390196 to be resolved?
Resolution likelihood: unlikely. 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 9390196?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating no direct financial loss or significant ongoing harm to the consumer.
What regulatory actions apply to complaint 9390196?
This case highlights the importance of credit bureaus maintaining accurate data to prevent identity confusion and 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 9390196?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9390196?
In Tennessee, consumers have the right to dispute inaccurate information on their credit reports. This complaint was filed from Tennessee.
How does complaint 9390196 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence to support their claim. They should also notify the creditor or furnisher of the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.