Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753721
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 12753721
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: Pennsylvania
ZIP Code: 18372
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: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753721 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 that incorrect information belonging to someone else appeared on their Equifax credit report. The complaint was received on March 31, 2025 from Pennsylvania. 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 involved.
Resolution Likelihood
likely
State-Specific Consumer Protections
Pennsylvania consumers are protected by state laws that may offer additional rights regarding credit reporting.
Industry Comparison
This issue is common across credit reporting agencies, as errors in data aggregation and matching can lead to mixed files.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753721 about?
CFPB complaint 12753721 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 12753721 filed against?
Complaint 12753721 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 12753721?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753721 filed?
Complaint 12753721 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753721 filed from?
Complaint 12753721 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 12753721?
Dispute information is not available for complaint 12753721.
What product category is complaint 12753721 about?
Complaint 12753721 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 12753721 submitted?
Complaint 12753721 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 12753721?
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 12753721 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 12753721?
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 12753721?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are involved. 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 12753721?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 12753721?
Pennsylvania consumers are protected by state laws that may offer additional rights regarding credit reporting. This complaint was filed from Pennsylvania.
How does complaint 12753721 compare to industry norms?
This issue is common across credit reporting agencies, as errors in data aggregation and matching can lead to mixed files.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing any supporting documentation. They should also consider filing a complaint with the CFPB.
What is the typical resolution for a consumer whose credit report contains information from another individual?
Resolution typically involves the credit bureau investigating the dispute, removing the incorrect information, and updating the report. Non-monetary relief often means the error is corrected without financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.