Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753743
Consumer Claims Equifax Failed to Ensure Credit Report Accuracy
Complaint Overview
Complaint ID: 12753743
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30122
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 consumer alleges that Equifax has not followed reasonable procedures to ensure the accuracy of their credit report, which could lead to violations of the FCRA if proven.
Consumer Sentiment: negative
Topics: Credit reporting, FCRA, Inaccurate information
AI Analysis
CFPB complaint 12753743 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 inaccurate account information on their credit report with Equifax, citing violations of the Fair Credit Reporting Act (FCRA) regarding accuracy and reinvestigation procedures. The complaint was received on March 31, 2025 from Georgia. The company responded with "Closed with non-monetary relief".
Consumer Narrative
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. Please remove the following items from my credit report immediately : XXXX XXXX
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for inaccuracies and dispute any incorrect information with the credit reporting agency, providing supporting documentation.
Legal Context & Consumer Protection Laws
The complaint invokes 15 U.S. Code § 1681e(b) and § 1681i(5), which mandate that credit reporting agencies maintain accurate reports and promptly correct or delete disputed inaccurate information.
Regulatory Insight
This case highlights the importance of credit reporting agencies' adherence to reinvestigation requirements under the FCRA when consumers dispute information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in Georgia and involves a dispute with Equifax, a major credit reporting agency.
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 12753743 about?
CFPB complaint 12753743 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against EQUIFAX, INC. on March 31, 2025.
Which company is complaint 12753743 filed against?
Complaint 12753743 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 12753743?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753743 filed?
Complaint 12753743 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753743 filed from?
Complaint 12753743 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12753743?
Dispute information is not available for complaint 12753743.
What product category is complaint 12753743 about?
Complaint 12753743 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 12753743 submitted?
Complaint 12753743 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 12753743?
The complaint invokes 15 U.S. Code § 1681e(b) and § 1681i(5), which mandate that credit reporting agencies maintain accurate reports and promptly correct or delete disputed 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 12753743 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 12753743?
This complaint is rated as medium risk. The consumer alleges that Equifax has not followed reasonable procedures to ensure the accuracy of their credit report, which could lead to violations of the FCRA if proven.
What regulatory actions apply to complaint 12753743?
This case highlights the importance of credit reporting agencies' adherence to reinvestigation requirements under the FCRA when consumers dispute 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 12753743?
Consumers should carefully review their credit reports for inaccuracies and dispute any incorrect information with the credit reporting agency, providing supporting documentation.
Are there state-specific protections for complaint 12753743?
The complaint was filed in Georgia and involves a dispute with Equifax, a major credit reporting agency. This complaint was filed from Georgia.
How does complaint 12753743 compare to industry norms?
This is a common issue within the credit reporting industry, where consumers frequently dispute inaccuracies on their reports.
What specific steps should a consumer take if a credit reporting agency fails to correct inaccurate information after a dispute?
If a credit reporting agency fails to correct inaccurate information, the consumer can file a complaint with the CFPB and potentially consult an attorney to explore legal options under the FCRA.
What constitutes 'reasonable procedures' for ensuring maximum possible accuracy under the FCRA?
Reasonable procedures are not explicitly defined but generally involve robust data verification processes, regular audits, and effective systems for handling consumer disputes and reinvestigations.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.