Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268539
Equifax Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 12268539
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: Ohio
ZIP Code: 44310
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
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 likely correction of the erroneous information.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 12268539 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 information on their Equifax credit report, stating that information belonged to someone else, and the issue was closed with non-monetary relief. The complaint was received on February 28, 2025 from Ohio. 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) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Ohio and was handled by Equifax, Inc.
Industry Comparison
This is a common issue within 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 often stems from mixed files, where data from one consumer's report is erroneously merged with another's, or from errors in the credit bureau's algorithms for matching consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268539 about?
CFPB complaint 12268539 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 February 28, 2025.
Which company is complaint 12268539 filed against?
Complaint 12268539 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 12268539?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12268539 filed?
Complaint 12268539 was received by the CFPB on February 28, 2025. It was sent to EQUIFAX, INC. on March 3, 2025.
What state was complaint 12268539 filed from?
Complaint 12268539 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 12268539?
Dispute information is not available for complaint 12268539.
What product category is complaint 12268539 about?
Complaint 12268539 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 12268539 submitted?
Complaint 12268539 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 12268539?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. 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 12268539 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 12268539?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a likely correction of the erroneous information.
What regulatory actions apply to complaint 12268539?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer 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 12268539?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12268539?
The complaint originated in Ohio and was handled by Equifax, Inc. This complaint was filed from Ohio.
How does complaint 12268539 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
Immediately dispute the information with the credit bureau, providing evidence that it does not belong to you. If the issue persists, consider filing a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.