Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753719
Equifax Credit Report Dispute Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 12753719
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: Oklahoma
ZIP Code: 74103
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: low
The risk is low as the issue was resolved with non-monetary relief, indicating no financial loss or significant ongoing harm to the consumer.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 12753719 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 March 31, 2025 from Oklahoma. 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 reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute errors.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate account information and responding to consumer disputes as required by the FCRA.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Oklahoma, and state laws may offer additional protections or avenues for dispute resolution related to credit reporting.
Industry Comparison
This is a common type of complaint within the credit reporting industry, often resolved through dispute processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753719 about?
CFPB complaint 12753719 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 March 31, 2025.
Which company is complaint 12753719 filed against?
Complaint 12753719 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 12753719?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753719 filed?
Complaint 12753719 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753719 filed from?
Complaint 12753719 was filed from Oklahoma. You can view all complaints from this state at /state/OK.
Was the consumer satisfied with the resolution of complaint 12753719?
Dispute information is not available for complaint 12753719.
What product category is complaint 12753719 about?
Complaint 12753719 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 12753719 submitted?
Complaint 12753719 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 12753719?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute errors. 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 12753719 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 12753719?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating no financial loss or significant ongoing harm to the consumer.
What regulatory actions apply to complaint 12753719?
This case highlights the importance of credit bureaus maintaining accurate account information and responding to consumer disputes as required by the FCRA. 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 12753719?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency.
Are there state-specific protections for complaint 12753719?
The consumer is located in Oklahoma, and state laws may offer additional protections or avenues for dispute resolution related to credit reporting. This complaint was filed from Oklahoma.
How does complaint 12753719 compare to industry norms?
This is a common type of complaint within the credit reporting industry, often resolved through dispute processes.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on a credit report, such as updating account status or removing incorrect entries, rather than a financial payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.