Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753765
Incorrect Identity Information on Equifax Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 12753765
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: California
ZIP Code: 90301
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 no direct financial loss or ongoing dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12753765 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 belonging to someone else was present, and the issue was closed with non-monetary relief. The complaint was received on March 31, 2025 from California. 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) requires credit reporting agencies to investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate data and addressing identity-related inaccuracies.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in California, a state with strong consumer protection laws.
Industry Comparison
This is a common issue within the credit reporting industry, where data accuracy is paramount.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753765 about?
CFPB complaint 12753765 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 12753765 filed against?
Complaint 12753765 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 12753765?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753765 filed?
Complaint 12753765 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753765 filed from?
Complaint 12753765 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 12753765?
Dispute information is not available for complaint 12753765.
What product category is complaint 12753765 about?
Complaint 12753765 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 12753765 submitted?
Complaint 12753765 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 12753765?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes regarding inaccurate information on 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 12753765 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 12753765?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating no direct financial loss or ongoing dispute.
What regulatory actions apply to complaint 12753765?
This case highlights the importance of credit bureaus maintaining accurate data and addressing identity-related inaccuracies. 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 12753765?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12753765?
The complaint originated in California, a state with strong consumer protection laws. This complaint was filed from California.
How does complaint 12753765 compare to industry norms?
This is a common issue within the credit reporting industry, where data accuracy is paramount.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, removal of fraudulent accounts, or an investigation into the disputed items, rather than a cash payout.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.