Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753756
Incorrect Identity on Credit Report Leads to Consumer Complaint
Complaint Overview
Complaint ID: 12753756
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: Georgia
ZIP Code: 30058
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 involves incorrect personal information rather than a systemic failure or widespread fraud, but it can still impact creditworthiness.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753756 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 Georgia. The company responded with "Closed with non-monetary relief".
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 in consumer reports.
Regulatory Insight
This case highlights the FCRA's mandate for accuracy and the process for disputing errors, even those involving mistaken identity.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint was filed in Georgia, and the resolution was closed with non-monetary relief.
Industry Comparison
Mistaken identity on credit reports is a known issue within the credit reporting industry, though less common than other types of inaccuracies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753756 about?
CFPB complaint 12753756 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 12753756 filed against?
Complaint 12753756 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 12753756?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753756 filed?
Complaint 12753756 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753756 filed from?
Complaint 12753756 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12753756?
Dispute information is not available for complaint 12753756.
What product category is complaint 12753756 about?
Complaint 12753756 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 12753756 submitted?
Complaint 12753756 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 12753756?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports. 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 12753756 to be resolved?
Resolution likelihood: unlikely. 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 12753756?
This complaint is rated as low risk. The risk is low as the issue involves incorrect personal information rather than a systemic failure or widespread fraud, but it can still impact creditworthiness.
What regulatory actions apply to complaint 12753756?
This case highlights the FCRA's mandate for accuracy and the process for disputing errors, even those involving mistaken identity. 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 12753756?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 12753756?
The complaint was filed in Georgia, and the resolution was closed with non-monetary relief. This complaint was filed from Georgia.
How does complaint 12753756 compare to industry norms?
Mistaken identity on credit reports is a known issue within the credit reporting industry, though less common than other types of inaccuracies.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing any evidence to support their claim. They should also consider notifying the creditor that furnished the incorrect information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.