Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9726633

TransUnion Credit Report Error Resolved Without Monetary Compensation

Complaint Overview

Complaint ID: 9726633

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: Account information incorrect

State: Alabama

ZIP Code: 35750

Date Received: 2024-07-31T12:00:00-05:00

Date Sent to Company: 2024-08-06T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Referral

Risk Assessment

Risk Level: low

The risk is low as the issue was resolved with non-monetary relief, indicating a minor error that did not require financial restitution.

Consumer Sentiment: neutral

Topics: Credit reporting, Incorrect information, Account information

AI Analysis

CFPB complaint 9726633 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 account information on their credit report to TransUnion, which was closed with non-monetary relief. The complaint was received on July 31, 2024 from Alabama. 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 with the credit reporting agency.

Legal Context & Consumer Protection Laws

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute errors.

Regulatory Insight

This case highlights the importance of credit bureaus having effective dispute resolution processes to address inaccuracies, even if non-monetary.

Resolution Likelihood

unlikely

State-Specific Consumer Protections

The complaint originated in Alabama, and the resolution indicates a standard process for handling credit reporting disputes within that state.

Industry Comparison

This is a common type of issue in the credit reporting industry, where errors in account information can occur and require correction.

Related Issues

Disputing credit report errors

Frequently Asked Questions

What is CFPB complaint 9726633 about?

CFPB complaint 9726633 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on July 31, 2024.

Which company is complaint 9726633 filed against?

Complaint 9726633 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 9726633?

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

When was complaint 9726633 filed?

Complaint 9726633 was received by the CFPB on July 31, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on August 6, 2024.

What state was complaint 9726633 filed from?

Complaint 9726633 was filed from Alabama. You can view all complaints from this state at /state/AL.

Was the consumer satisfied with the resolution of complaint 9726633?

Dispute information is not available for complaint 9726633.

What product category is complaint 9726633 about?

Complaint 9726633 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 9726633 submitted?

Complaint 9726633 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

What are the consumer's legal options for complaint 9726633?

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute errors. 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 9726633 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 9726633?

This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a minor error that did not require financial restitution.

What regulatory actions apply to complaint 9726633?

This case highlights the importance of credit bureaus having effective dispute resolution processes to address inaccuracies, even if non-monetary. 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 9726633?

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

Are there state-specific protections for complaint 9726633?

The complaint originated in Alabama, and the resolution indicates a standard process for handling credit reporting disputes within that state. This complaint was filed from Alabama.

How does complaint 9726633 compare to industry norms?