Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268484
Credit Report Error: Debt Not Yours, Case Closed
Complaint Overview
Complaint ID: 12268484
Company: Automated Collection Services, 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: 30213
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-10T12:00:00-05:00
Company Response: Closed with explanation
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 an explanation, suggesting it was likely a data entry error or a misunderstanding that has been addressed.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12268484 was filed against Automated Collection Services, 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, stating that a debt listed belonged to someone else, and the issue was closed with an explanation. The complaint was received on February 28, 2025 from Georgia. The company responded with "Closed with explanation".
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 and furnishers to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of accurate data furnishing by collection agencies and the FCRA's role in ensuring consumer report accuracy.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have rights under the FCRA to dispute and correct errors on their credit reports.
Industry Comparison
This is a common issue in the credit reporting industry, where data errors can lead to significant consumer distress.
Similar Complaint Patterns
Consumers frequently report inaccuracies on their credit reports, including accounts or inquiries that do not belong to them. This can stem from data entry errors, mixed files, or improper reporting by third-party debt collectors. The resolution process can be lengthy and frustrating for consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268484 about?
CFPB complaint 12268484 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 Automated Collection Services, Inc. on February 28, 2025.
Which company is complaint 12268484 filed against?
Complaint 12268484 was filed against Automated Collection Services, Inc.. You can view all complaints against this company on their profile page at /company/automated-collection-services-inc.
What was the company's response to complaint 12268484?
Automated Collection Services, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12268484 filed?
Complaint 12268484 was received by the CFPB on February 28, 2025. It was sent to Automated Collection Services, Inc. on March 10, 2025.
What state was complaint 12268484 filed from?
Complaint 12268484 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12268484?
Dispute information is not available for complaint 12268484.
What product category is complaint 12268484 about?
Complaint 12268484 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 12268484 submitted?
Complaint 12268484 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 12268484?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to investigate disputes and correct inaccurate information. This relates to a Credit reporting or other personal consumer reports complaint against Automated Collection Services, Inc. involving "Incorrect information on your report".
How likely is complaint 12268484 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12268484?
This complaint is rated as low risk. The risk is low as the issue was resolved with an explanation, suggesting it was likely a data entry error or a misunderstanding that has been addressed.
What regulatory actions apply to complaint 12268484?
This case highlights the importance of accurate data furnishing by collection agencies and the FCRA's role in ensuring consumer report accuracy. 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 12268484?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12268484?
In Georgia, consumers have rights under the FCRA to dispute and correct errors on their credit reports. This complaint was filed from Georgia.
How does complaint 12268484 compare to industry norms?
This is a common issue in the credit reporting industry, where data errors can lead to significant consumer distress.
What steps should a consumer take if they find information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency and the furnisher of the information, providing evidence to support their claim.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It usually means the company provided a response or resolution to the consumer's complaint, and the CFPB found the explanation satisfactory, though not necessarily that the consumer's desired outcome was fully met.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.