Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9985779
TransUnion Credit Report Error: Incorrect Identity Information Resolved
Complaint Overview
Complaint ID: 9985779
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: Nevada
ZIP Code: 89148
Date Received: 2024-08-31T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
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 correction rather than a significant financial dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 9985779 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 handled by TransUnion Intermediate Holdings, Inc. in Nevada and closed with non-monetary relief. The complaint was received on August 31, 2024 from Nevada. 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 Nevada, consumers have rights under FCRA to dispute and correct errors on their credit reports.
Industry Comparison
Credit reporting agencies like TransUnion are expected to maintain accurate consumer data and address disputes efficiently.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9985779 about?
CFPB complaint 9985779 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 August 31, 2024.
Which company is complaint 9985779 filed against?
Complaint 9985779 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 9985779?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9985779 filed?
Complaint 9985779 was received by the CFPB on August 31, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on August 31, 2024.
What state was complaint 9985779 filed from?
Complaint 9985779 was filed from Nevada. You can view all complaints from this state at /state/NV.
Was the consumer satisfied with the resolution of complaint 9985779?
Dispute information is not available for complaint 9985779.
What product category is complaint 9985779 about?
Complaint 9985779 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 9985779 submitted?
Complaint 9985779 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 9985779?
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 9985779 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 9985779?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction rather than a significant financial dispute.
What regulatory actions apply to complaint 9985779?
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 9985779?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9985779?
In Nevada, consumers have rights under FCRA to dispute and correct errors on their credit reports. This complaint was filed from Nevada.
How does complaint 9985779 compare to industry norms?
Credit reporting agencies like TransUnion are expected to maintain accurate consumer data and address disputes efficiently.
What constitutes non-monetary relief in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, such as removing incorrect personal details or accounts, rather than a financial payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.