Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13272493
Equifax Credit Report Error Resolved Without Monetary Compensation
Complaint Overview
Complaint ID: 13272493
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: New Jersey
ZIP Code: 07663
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The low risk is due to the closure with non-monetary relief, indicating the issue was likely resolved through correction or explanation rather than a significant financial dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 13272493 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A New Jersey consumer reported incorrect account information on their credit report to Equifax, and the issue was closed with non-monetary relief. The complaint was received on April 30, 2025 from New Jersey. 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 with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and bureaus to investigate disputes.
Regulatory Insight
This case highlights the importance of the FCRA's dispute resolution process, where non-monetary relief can be a sufficient outcome for correcting reporting errors.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information.
Industry Comparison
Credit reporting agencies like Equifax are expected to maintain accurate records and address consumer disputes efficiently, with non-monetary resolutions being common for informational errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13272493 about?
CFPB complaint 13272493 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 April 30, 2025.
Which company is complaint 13272493 filed against?
Complaint 13272493 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 13272493?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13272493 filed?
Complaint 13272493 was received by the CFPB on April 30, 2025. It was sent to EQUIFAX, INC. on April 30, 2025.
What state was complaint 13272493 filed from?
Complaint 13272493 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 13272493?
Dispute information is not available for complaint 13272493.
What product category is complaint 13272493 about?
Complaint 13272493 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 13272493 submitted?
Complaint 13272493 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 13272493?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and bureaus to investigate disputes. 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 13272493 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 13272493?
This complaint is rated as low risk. The low risk is due to the closure with non-monetary relief, indicating the issue was likely resolved through correction or explanation rather than a significant financial dispute.
What regulatory actions apply to complaint 13272493?
This case highlights the importance of the FCRA's dispute resolution process, where non-monetary relief can be a sufficient outcome for correcting reporting errors. 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 13272493?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency.
Are there state-specific protections for complaint 13272493?
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information. This complaint was filed from New Jersey.
How does complaint 13272493 compare to industry norms?
Credit reporting agencies like Equifax are expected to maintain accurate records and address consumer disputes efficiently, with non-monetary resolutions being common for informational errors.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on a credit report, an explanation of the information, or the removal of a disputed item if it's found to be inaccurate or unverifiable.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.