Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753726
Incorrect Identity on Credit Report Leads to Dispute
Complaint Overview
Complaint ID: 12753726
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: Washington
ZIP Code: 98188
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
The risk is medium because incorrect information on a credit report can lead to financial harm and disputes, requiring investigation and potential correction by the credit bureau.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753726 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 information on their Equifax credit report, stating that the information belonged to someone else and that they had not provided proof of the alleged debt. The complaint was received on March 31, 2025 from Washington. The company responded with "Closed with non-monetary relief".
Consumer Narrative
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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) governs the accuracy and privacy of credit reports, requiring credit bureaus to investigate disputes.
Regulatory Insight
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to investigate consumer disputes thoroughly.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint originated in Washington state, which has consumer protection laws that may offer additional recourse.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in data aggregation can lead to incorrect reporting.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753726 about?
CFPB complaint 12753726 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 12753726 filed against?
Complaint 12753726 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 12753726?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753726 filed?
Complaint 12753726 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753726 filed from?
Complaint 12753726 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 12753726?
Dispute information is not available for complaint 12753726.
What product category is complaint 12753726 about?
Complaint 12753726 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 12753726 submitted?
Complaint 12753726 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 12753726?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring credit bureaus to investigate disputes. 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 12753726 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 12753726?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can lead to financial harm and disputes, requiring investigation and potential correction by the credit bureau.
What regulatory actions apply to complaint 12753726?
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to investigate consumer disputes thoroughly. 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 12753726?
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 12753726?
This complaint originated in Washington state, which has consumer protection laws that may offer additional recourse. This complaint was filed from Washington.
How does complaint 12753726 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in data aggregation can lead to incorrect reporting.
What specific steps should a consumer take if they believe information on their credit report belongs to someone else?
The consumer should file a dispute with the credit reporting agency (Equifax, in this case), providing as much detail as possible to support their claim. They should also consider obtaining a police report if identity theft is suspected.
Under what circumstances can a credit reporting agency deny a dispute without further investigation?
Generally, credit reporting agencies must investigate disputes. However, they may dismiss frivolous or irrelevant disputes, or those that do not provide sufficient information to investigate.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.