Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11888014

Equifax Credit Report Error Resolved with Non-Monetary Relief

Complaint Overview

Complaint ID: 11888014

Company: Equifax, 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: Georgia

ZIP Code: 30291

Date Received: 2025-01-31T12:00:00-05:00

Date Sent to Company: 2025-01-31T12:00:00-05:00

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 successful dispute without significant financial impact.

Consumer Sentiment: neutral

Topics: Credit reporting, Incorrect information, Account information

AI Analysis

CFPB complaint 11888014 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 incorrect account information on their credit report to Equifax, which was closed with non-monetary relief. The complaint was received on January 31, 2025 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 with the credit bureau.

Legal Context & Consumer Protection Laws

The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.

Regulatory Insight

This case highlights the importance of FCRA compliance in ensuring the accuracy of credit information and the process for dispute resolution.

Resolution Likelihood

likely

State-Specific Consumer Protections

The complaint originated in Georgia and was resolved, suggesting state-level consumer protection mechanisms may also be relevant.

Industry Comparison

This is a common issue within the credit reporting industry, where errors can occur and require consumer disputes for correction.

Related Issues

Credit report accuracy

Frequently Asked Questions

What is CFPB complaint 11888014 about?

CFPB complaint 11888014 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 EQUIFAX, INC. on January 31, 2025.

Which company is complaint 11888014 filed against?

Complaint 11888014 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 11888014?

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

When was complaint 11888014 filed?

Complaint 11888014 was received by the CFPB on January 31, 2025. It was sent to EQUIFAX, INC. on January 31, 2025.

What state was complaint 11888014 filed from?

Complaint 11888014 was filed from Georgia. You can view all complaints from this state at /state/GA.

Was the consumer satisfied with the resolution of complaint 11888014?

Dispute information is not available for complaint 11888014.

What product category is complaint 11888014 about?

Complaint 11888014 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 11888014 submitted?

Complaint 11888014 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 11888014?

The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports. 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 11888014 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 11888014?

This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a successful dispute without significant financial impact.

What regulatory actions apply to complaint 11888014?

This case highlights the importance of FCRA compliance in ensuring the accuracy of credit information and the process for dispute resolution. 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 11888014?

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

Are there state-specific protections for complaint 11888014?

The complaint originated in Georgia and was resolved, suggesting state-level consumer protection mechanisms may also be relevant. This complaint was filed from Georgia.

How does complaint 11888014 compare to industry norms?