Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9390243
TransUnion Credit Report Mixed with Another Individual's Information
Complaint Overview
Complaint ID: 9390243
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: District of Columbia
ZIP Code: 20019
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: medium
Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft/mix-up
AI Analysis
CFPB complaint 9390243 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 included, which was reported to TransUnion. The complaint was received on June 30, 2024 from District of Columbia. 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 errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports.
Regulatory Insight
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct inaccurate information.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in Washington D.C.
Industry Comparison
Disputes over incorrect information, including identity mix-ups, are common among credit reporting agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390243 about?
CFPB complaint 9390243 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 9390243 filed against?
Complaint 9390243 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 9390243?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390243 filed?
Complaint 9390243 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 9390243 filed from?
Complaint 9390243 was filed from District of Columbia. You can view all complaints from this state at /state/DC.
Was the consumer satisfied with the resolution of complaint 9390243?
Dispute information is not available for complaint 9390243.
What product category is complaint 9390243 about?
Complaint 9390243 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 9390243 submitted?
Complaint 9390243 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 9390243?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit 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 9390243 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 9390243?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 9390243?
Credit bureaus have a responsibility under the FCRA to investigate disputes and correct inaccurate 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 9390243?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 9390243?
This issue occurred in Washington D.C. This complaint was filed from District of Columbia.
How does complaint 9390243 compare to industry norms?
Disputes over incorrect information, including identity mix-ups, are common among credit reporting agencies.
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 (TransUnion in this case) and provide any supporting documentation. If the issue is not resolved, they may consider filing a complaint with the CFPB or seeking legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.