Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753732
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 12753732
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: Maryland
ZIP Code: 21231
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with explanation
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, Identity Theft, FCRA
AI Analysis
CFPB complaint 12753732 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, specifically that of another individual, appeared on their Equifax credit report. The complaint was received on March 31, 2025 from Maryland. The company responded with "Closed with explanation".
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 they maintain.
Regulatory Insight
Equifax is obligated to investigate disputes regarding the accuracy of reported information and correct any errors found.
Resolution Likelihood
likely
State-Specific Consumer Protections
Maryland consumers are protected by state laws that may offer additional rights regarding credit reporting.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the need for consumer vigilance.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753732 about?
CFPB complaint 12753732 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 12753732 filed against?
Complaint 12753732 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 12753732?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12753732 filed?
Complaint 12753732 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753732 filed from?
Complaint 12753732 was filed from Maryland. You can view all complaints from this state at /state/MD.
Was the consumer satisfied with the resolution of complaint 12753732?
Dispute information is not available for complaint 12753732.
What product category is complaint 12753732 about?
Complaint 12753732 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 12753732 submitted?
Complaint 12753732 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 12753732?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 12753732 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12753732?
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 12753732?
Equifax is obligated to investigate disputes regarding the accuracy of reported information and correct any errors found. 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 12753732?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 12753732?
Maryland consumers are protected by state laws that may offer additional rights regarding credit reporting. This complaint was filed from Maryland.
How does complaint 12753732 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the need for consumer vigilance.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with Equifax, providing any supporting documentation. They should also consider filing a police report if identity theft is suspected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.