Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753735
Incorrect Identity Information on Equifax Report Resolved Without Monetary Compensation
Complaint Overview
Complaint ID: 12753735
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: North Carolina
ZIP Code: 27587
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 successful correction of the reported error.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753735 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 information belonged to someone else, and the issue was closed with non-monetary relief. The complaint was received on March 31, 2025 from North Carolina. 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.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in North Carolina, and the resolution indicates a standard process for credit reporting disputes.
Industry Comparison
This is a common type of issue in the credit reporting industry, where identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753735 about?
CFPB complaint 12753735 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 12753735 filed against?
Complaint 12753735 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 12753735?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753735 filed?
Complaint 12753735 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753735 filed from?
Complaint 12753735 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 12753735?
Dispute information is not available for complaint 12753735.
What product category is complaint 12753735 about?
Complaint 12753735 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 12753735 submitted?
Complaint 12753735 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 12753735?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding 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 12753735 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 12753735?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a successful correction of the reported error.
What regulatory actions apply to complaint 12753735?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit 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 12753735?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12753735?
The complaint was filed in North Carolina, and the resolution indicates a standard process for credit reporting disputes. This complaint was filed from North Carolina.
How does complaint 12753735 compare to industry norms?
This is a common type of issue in the credit reporting industry, where identity mix-ups can occur.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction or removal of inaccurate information from a credit report, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.