Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753722
Consumer disputes credit report accuracy, claims information belongs to another.
Complaint Overview
Complaint ID: 12753722
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: Georgia
ZIP Code: 30238
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 complaint was closed with non-monetary relief, suggesting the issue was addressed without significant financial impact or ongoing dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity dispute
AI Analysis
CFPB complaint 12753722 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer disputes the accuracy of information on their credit report, specifically that it belongs to someone else, and Equifax has closed the complaint with non-monetary relief. The complaint was received on March 31, 2025 from Georgia. The company responded with "Closed with non-monetary relief".
Consumer Narrative
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
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) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of credit reporting agencies having robust processes to verify the identity of consumers and the accuracy of reported information.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Georgia, but the resolution is handled by a federal agency and a national credit bureau.
Industry Comparison
This is a common issue within the credit reporting industry, where consumers frequently dispute inaccuracies on their reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753722 about?
CFPB complaint 12753722 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 12753722 filed against?
Complaint 12753722 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 12753722?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753722 filed?
Complaint 12753722 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753722 filed from?
Complaint 12753722 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12753722?
Dispute information is not available for complaint 12753722.
What product category is complaint 12753722 about?
Complaint 12753722 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 12753722 submitted?
Complaint 12753722 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 12753722?
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 12753722 to be resolved?
Resolution likelihood: unlikely. 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 12753722?
This complaint is rated as low risk. The risk is low as the complaint was closed with non-monetary relief, suggesting the issue was addressed without significant financial impact or ongoing dispute.
What regulatory actions apply to complaint 12753722?
This case highlights the importance of credit reporting agencies having robust processes to verify the identity of consumers and the accuracy of reported information. 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 12753722?
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 12753722?
The complaint originated in Georgia, but the resolution is handled by a federal agency and a national credit bureau. This complaint was filed from Georgia.
How does complaint 12753722 compare to industry norms?
This is a common issue within the credit reporting industry, where consumers frequently dispute inaccuracies on their reports.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves actions like correcting or removing inaccurate information from a credit report, or providing an explanation for the information, rather than a financial payout.
What is the doctrine of estoppel by silence in this context?
Estoppel by silence, in this context, likely refers to the consumer's argument that if the creditor or bureau remained silent about the debt's validity or proof, they should be estopped from asserting its existence now.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.