Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753770
Equifax Credit Report Contains Incorrect Personal Information
Complaint Overview
Complaint ID: 12753770
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Massachusetts
ZIP Code: 01960
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: low
The risk is low as the issue pertains to incorrect personal information on a credit report, which is generally correctable.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information
AI Analysis
CFPB complaint 12753770 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 personal information on their Equifax credit report, which was closed with an explanation. The complaint was received on March 31, 2025 from Massachusetts. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect personal information with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information.
Regulatory Insight
Credit bureaus are required to investigate disputes regarding inaccurate information on consumer reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
This complaint originated in Massachusetts.
Industry Comparison
This is a common issue across credit reporting agencies, as errors in personal information can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753770 about?
CFPB complaint 12753770 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Personal information incorrect". This complaint was filed against EQUIFAX, INC. on March 31, 2025.
Which company is complaint 12753770 filed against?
Complaint 12753770 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 12753770?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12753770 filed?
Complaint 12753770 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753770 filed from?
Complaint 12753770 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 12753770?
Dispute information is not available for complaint 12753770.
What product category is complaint 12753770 about?
Complaint 12753770 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 12753770 submitted?
Complaint 12753770 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 12753770?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting 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 12753770 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 12753770?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect personal information on a credit report, which is generally correctable.
What regulatory actions apply to complaint 12753770?
Credit bureaus are required to investigate disputes regarding inaccurate information on consumer reports. 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 12753770?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect personal information with the credit bureau.
Are there state-specific protections for complaint 12753770?
This complaint originated in Massachusetts. This complaint was filed from Massachusetts.
How does complaint 12753770 compare to industry norms?
This is a common issue across credit reporting agencies, as errors in personal information can occur.
What steps should a consumer take if they find incorrect personal information on their credit report?
A consumer should first contact the credit reporting agency (Equifax, in this case) to dispute the information. They should provide documentation to support their claim and keep records of all communication.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.