Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11884763
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 11884763
Company: Equifax, 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: North Carolina
ZIP Code: 27530
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 11884763 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information, belonging to someone else, appeared on their Equifax credit report. The complaint was received on January 31, 2025 from North Carolina. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or misidentification is suspected.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in North Carolina and was handled through the CFPB's complaint system.
Industry Comparison
Disputes over incorrect personal information are common across all major credit reporting agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11884763 about?
CFPB complaint 11884763 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 EQUIFAX, INC. on January 31, 2025.
Which company is complaint 11884763 filed against?
Complaint 11884763 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 11884763?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 11884763 filed?
Complaint 11884763 was received by the CFPB on January 31, 2025. It was sent to EQUIFAX, INC. on February 2, 2025.
What state was complaint 11884763 filed from?
Complaint 11884763 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 11884763?
Dispute information is not available for complaint 11884763.
What product category is complaint 11884763 about?
Complaint 11884763 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 11884763 submitted?
Complaint 11884763 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 11884763?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Incorrect information on your report".
How likely is complaint 11884763 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 11884763?
This complaint is rated as medium risk. Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 11884763?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or misidentification is suspected. 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 11884763?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 11884763?
This issue occurred in North Carolina and was handled through the CFPB's complaint system. This complaint was filed from North Carolina.
How does complaint 11884763 compare to industry norms?
Disputes over incorrect personal information are common across all major credit reporting agencies.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence that the information belongs to someone else. They should also consider placing a fraud alert on their credit file.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.