Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268511
Incorrect Identity Information on Credit Report Leads to Non-Monetary Resolution
Complaint Overview
Complaint ID: 12268511
Company: Harris & Harris, Ltd.
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: 2025-03-11T12:00:00-05:00
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 the credit reporting agency or furnisher took corrective action without financial penalty.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft/misattribution
AI Analysis
CFPB complaint 12268511 was filed against Harris & Harris, Ltd. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Georgia consumer reported that incorrect information belonging to someone else appeared on their credit report, which was handled by Harris & Harris, Ltd. and closed with non-monetary relief. The complaint was received on February 28, 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, especially if it pertains to someone else's identity.
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 and the FCRA's provisions for correcting identity-related errors on credit reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, as elsewhere, consumers have rights under the FCRA to ensure the accuracy of their credit reports.
Industry Comparison
This is a common issue in the credit reporting industry where data errors, including misattributed information, can occur.
Similar Complaint Patterns
Consumers frequently report inaccuracies on their credit reports, including information that does not belong to them. This can stem from data entry errors by furnishers, mixed files due to similar personal identifiers, or inadequate dispute resolution processes by credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268511 about?
CFPB complaint 12268511 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 Harris & Harris, Ltd. on February 28, 2025.
Which company is complaint 12268511 filed against?
Complaint 12268511 was filed against Harris & Harris, Ltd.. You can view all complaints against this company on their profile page at /company/harris-harris-ltd.
What was the company's response to complaint 12268511?
Harris & Harris, Ltd. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12268511 filed?
Complaint 12268511 was received by the CFPB on February 28, 2025. It was sent to Harris & Harris, Ltd. on March 11, 2025.
What state was complaint 12268511 filed from?
Complaint 12268511 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12268511?
Dispute information is not available for complaint 12268511.
What product category is complaint 12268511 about?
Complaint 12268511 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 12268511 submitted?
Complaint 12268511 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 12268511?
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 Harris & Harris, Ltd. involving "Incorrect information on your report".
How likely is complaint 12268511 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 12268511?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, suggesting the credit reporting agency or furnisher took corrective action without financial penalty.
What regulatory actions apply to complaint 12268511?
This case highlights the importance of accurate data furnishing and the FCRA's provisions for correcting identity-related errors on credit reports. 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 12268511?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information, especially if it pertains to someone else's identity.
Are there state-specific protections for complaint 12268511?
In Georgia, as elsewhere, consumers have rights under the FCRA to ensure the accuracy of their credit reports. This complaint was filed from Georgia.
How does complaint 12268511 compare to industry norms?
This is a common issue in the credit reporting industry where data errors, including misattributed information, can occur.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, removal of erroneous tradelines, or an updated investigation by the credit bureau or furnisher.
How long does a credit reporting agency have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information related to a new account within that period) to investigate a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.