Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753714
Incorrect Identity on Equifax Report Leads to Consumer Complaint
Complaint Overview
Complaint ID: 12753714
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: New Jersey
ZIP Code: 07055
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753714 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A New Jersey consumer reported that incorrect information, specifically that of another individual, appeared on their Equifax credit report. The complaint was received on March 31, 2025 from New Jersey. 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 mixed files are suspected.
Resolution Likelihood
mixed
State-Specific Consumer Protections
New Jersey has consumer protection laws that may offer additional recourse beyond federal regulations.
Industry Comparison
This issue is common across the credit reporting industry, where errors can arise from data collection or file mixing.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753714 about?
CFPB complaint 12753714 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 March 31, 2025.
Which company is complaint 12753714 filed against?
Complaint 12753714 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 12753714?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753714 filed?
Complaint 12753714 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753714 filed from?
Complaint 12753714 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 12753714?
Dispute information is not available for complaint 12753714.
What product category is complaint 12753714 about?
Complaint 12753714 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 12753714 submitted?
Complaint 12753714 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 12753714?
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 12753714 to be resolved?
Resolution likelihood: mixed. 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 12753714?
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 12753714?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are 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 12753714?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 12753714?
New Jersey has consumer protection laws that may offer additional recourse beyond federal regulations. This complaint was filed from New Jersey.
How does complaint 12753714 compare to industry norms?
This issue is common across the credit reporting industry, where errors can arise from data collection or file mixing.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the incorrect information with the credit reporting agency, providing any supporting documentation. They should also contact the creditor or entity that reported the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.