Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12753863
Equifax Credit Report Error Resolved Without Payment
Complaint Overview
Complaint ID: 12753863
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: Louisiana
ZIP Code: 70802
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 financial loss or significant dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 12753863 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 credit report to Equifax, which was closed with non-monetary relief. The complaint was received on March 31, 2025 from Louisiana. 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) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute errors.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate account information and responding to consumer disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
In California, consumers have rights under state law in addition to federal FCRA protections regarding credit reporting.
Industry Comparison
This is a common type of complaint in the credit reporting industry, often resolved through dispute processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12753863 about?
CFPB complaint 12753863 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 12753863 filed against?
Complaint 12753863 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 12753863?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12753863 filed?
Complaint 12753863 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12753863 filed from?
Complaint 12753863 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 12753863?
Dispute information is not available for complaint 12753863.
What product category is complaint 12753863 about?
Complaint 12753863 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 12753863 submitted?
Complaint 12753863 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 12753863?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and provides consumers with rights to dispute errors. 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 12753863 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 12753863?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating no financial loss or significant dispute.
What regulatory actions apply to complaint 12753863?
This case highlights the importance of credit bureaus maintaining accurate account information and responding to consumer disputes. 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 12753863?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12753863?
In California, consumers have rights under state law in addition to federal FCRA protections regarding credit reporting. This complaint was filed from Louisiana.
How does complaint 12753863 compare to industry norms?
This is a common type of complaint in the credit reporting industry, often resolved through dispute processes.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically means the credit bureau corrected the inaccurate information on the report, rather than issuing a financial refund or payment.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.