Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9985799
Credit Report Mixed Up with Someone Else's Information
Complaint Overview
Complaint ID: 9985799
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: Georgia
ZIP Code: 31067
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, suggesting a data correction rather than a systemic failure.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity mix-up
AI Analysis
CFPB complaint 9985799 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 Georgia consumer reported incorrect information on their credit report, specifically that information belonging to someone else was included, which was closed with non-monetary relief. The complaint was received on August 31, 2024 from Georgia. 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) governs the accuracy and privacy of credit reports.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate consumer data and responding to disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have rights under the FCRA to dispute inaccurate credit reporting.
Industry Comparison
This is a common issue in the credit reporting industry, often stemming from data entry errors or identity mix-ups.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9985799 about?
CFPB complaint 9985799 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 9985799 filed against?
Complaint 9985799 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 9985799?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9985799 filed?
Complaint 9985799 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 9985799 filed from?
Complaint 9985799 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 9985799?
Dispute information is not available for complaint 9985799.
What product category is complaint 9985799 about?
Complaint 9985799 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 9985799 submitted?
Complaint 9985799 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 9985799?
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 9985799 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 9985799?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, suggesting a data correction rather than a systemic failure.
What regulatory actions apply to complaint 9985799?
This case highlights the importance of credit bureaus maintaining accurate consumer data and responding to disputes. 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 9985799?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9985799?
In Georgia, consumers have rights under the FCRA to dispute inaccurate credit reporting. This complaint was filed from Georgia.
How does complaint 9985799 compare to industry norms?
This is a common issue in the credit reporting industry, often stemming from data entry errors or identity mix-ups.
What steps should a consumer take if they discover someone else's information on their credit report?
Immediately dispute the inaccurate information with the credit bureau and the furnisher of the information, providing evidence of the error.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.