Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753746
Equifax Credit Report Contains Incorrect Account Details
Complaint Overview
Complaint ID: 12753746
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: North Carolina
ZIP Code: 27529
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 information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 12753746 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 account information on their Equifax credit report, which was closed with an explanation. The complaint was received on March 31, 2025 from North Carolina. 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 promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information.
Regulatory Insight
Credit bureaus must ensure the accuracy and completeness of the information they collect and report.
Resolution Likelihood
likely
State-Specific Consumer Protections
North Carolina consumers are protected by federal credit reporting laws and may have additional state-specific consumer protection statutes.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, affecting all major bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753746 about?
CFPB complaint 12753746 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 12753746 filed against?
Complaint 12753746 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 12753746?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12753746 filed?
Complaint 12753746 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753746 filed from?
Complaint 12753746 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 12753746?
Dispute information is not available for complaint 12753746.
What product category is complaint 12753746 about?
Complaint 12753746 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 12753746 submitted?
Complaint 12753746 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 12753746?
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 12753746 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 12753746?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
What regulatory actions apply to complaint 12753746?
Credit bureaus must ensure the accuracy and completeness of the information they collect and report. 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 12753746?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 12753746?
North Carolina consumers are protected by federal credit reporting laws and may have additional state-specific consumer protection statutes. This complaint was filed from North Carolina.
How does complaint 12753746 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, affecting all major bureaus.
What is the typical timeframe for Equifax to resolve a dispute about incorrect account information?
Under the FCRA, Equifax generally has 30 days to investigate and respond to a dispute, with a possible extension to 45 days if additional information is provided by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.