Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753744
Incorrect Identity on Credit Report Leads to Consumer Complaint
Complaint Overview
Complaint ID: 12753744
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: Missouri
ZIP Code: 64082
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
Incorrect information on a credit report, especially when it belongs to someone else, can significantly impact a consumer's financial standing and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753744 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 Missouri. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any inaccurate information on their credit reports with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information in a timely manner.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate and up-to-date consumer information and the potential consequences of identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Missouri, indicating a potential regional issue or a widespread problem affecting consumers across different states.
Industry Comparison
This issue is common within the credit reporting industry, as errors in data aggregation and matching can lead to incorrect information appearing on consumer reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753744 about?
CFPB complaint 12753744 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 12753744 filed against?
Complaint 12753744 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 12753744?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753744 filed?
Complaint 12753744 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753744 filed from?
Complaint 12753744 was filed from Missouri. You can view all complaints from this state at /state/MO.
Was the consumer satisfied with the resolution of complaint 12753744?
Dispute information is not available for complaint 12753744.
What product category is complaint 12753744 about?
Complaint 12753744 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 12753744 submitted?
Complaint 12753744 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 12753744?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information in a timely manner. 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 12753744 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 12753744?
This complaint is rated as medium risk. Incorrect information on a credit report, especially when it belongs to someone else, can significantly impact a consumer's financial standing and ability to obtain credit.
What regulatory actions apply to complaint 12753744?
This case highlights the importance of credit bureaus maintaining accurate and up-to-date consumer information and the potential consequences of identity mix-ups. 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 12753744?
Consumers should immediately dispute any inaccurate information on their credit reports with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 12753744?
The complaint originated in Missouri, indicating a potential regional issue or a widespread problem affecting consumers across different states. This complaint was filed from Missouri.
How does complaint 12753744 compare to industry norms?
This issue is common within the credit reporting industry, as errors in data aggregation and matching can lead to incorrect information appearing on consumer reports.
What steps should a consumer take if they discover someone else's information on their credit report?
A consumer should immediately dispute the inaccurate information with the credit reporting agency (Equifax, in this case) and the creditor that reported the information. They should provide documentation to support their claim.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.