Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12754119
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 12754119
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: Michigan
ZIP Code: 48089
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: medium
Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, Inaccurate Information
AI Analysis
CFPB complaint 12754119 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, belonging to someone else, appeared on their Equifax credit report. The complaint was received on March 31, 2025 from Michigan. 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 immediately with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate consumer information and must have processes in place to prevent and correct identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
Michigan consumers are protected by the FCRA, which governs the accuracy and privacy of credit reporting.
Industry Comparison
This issue is common in the credit reporting industry, where data errors or identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12754119 about?
CFPB complaint 12754119 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 12754119 filed against?
Complaint 12754119 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 12754119?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12754119 filed?
Complaint 12754119 was received by the CFPB on March 31, 2025. It was sent to EQUIFAX, INC. on March 31, 2025.
What state was complaint 12754119 filed from?
Complaint 12754119 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 12754119?
Dispute information is not available for complaint 12754119.
What product category is complaint 12754119 about?
Complaint 12754119 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 12754119 submitted?
Complaint 12754119 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 12754119?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct 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 12754119 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 12754119?
This complaint is rated as medium risk. Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 12754119?
Credit bureaus have a responsibility to maintain accurate consumer information and must have processes in place to prevent and correct identity mix-ups. 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 12754119?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit bureau.
Are there state-specific protections for complaint 12754119?
Michigan consumers are protected by the FCRA, which governs the accuracy and privacy of credit reporting. This complaint was filed from Michigan.
How does complaint 12754119 compare to industry norms?
This issue is common in the credit reporting industry, where data errors or identity mix-ups can occur.
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 Equifax, providing evidence that the information belongs to another individual. They should also consider filing a police report if identity theft is suspected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.