Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753724
Equifax Corrects Erroneous Account Status on Credit Report
Complaint Overview
Complaint ID: 12753724
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Massachusetts
ZIP Code: 01960
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 a straightforward correction rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 12753724 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 status information on their Equifax credit report, which was resolved with non-monetary relief. The complaint was received on March 31, 2025 from Massachusetts. 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) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate account status information to prevent consumer harm.
Resolution Likelihood
likely
State-Specific Consumer Protections
Massachusetts consumers are protected by FCRA and state-specific consumer protection laws regarding credit reporting.
Industry Comparison
This is a common type of credit reporting error that many consumers may encounter with various credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753724 about?
CFPB complaint 12753724 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against EQUIFAX, INC. on March 31, 2025.
Which company is complaint 12753724 filed against?
Complaint 12753724 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 12753724?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753724 filed?
Complaint 12753724 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753724 filed from?
Complaint 12753724 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 12753724?
Dispute information is not available for complaint 12753724.
What product category is complaint 12753724 about?
Complaint 12753724 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 12753724 submitted?
Complaint 12753724 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 12753724?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports. 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 12753724 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 12753724?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a straightforward correction rather than a systemic problem.
What regulatory actions apply to complaint 12753724?
This case highlights the importance of credit bureaus maintaining accurate account status information to prevent consumer harm. 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 12753724?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12753724?
Massachusetts consumers are protected by FCRA and state-specific consumer protection laws regarding credit reporting. This complaint was filed from Massachusetts.
How does complaint 12753724 compare to industry norms?
This is a common type of credit reporting error that many consumers may encounter with various credit bureaus.
What is considered 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, such as updating an account status, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.