Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13272498
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 13272498
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: 91764
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect personal information on a credit report can significantly impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13272498 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, specifically information belonging to someone else, appeared on their Equifax credit report. The complaint was received on April 30, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected.
Resolution Likelihood
likely
State-Specific Consumer Protections
California consumers are protected by state laws that may offer additional rights regarding credit reporting and identity protection.
Industry Comparison
This issue is common across credit reporting agencies, as errors in data aggregation and identity matching can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13272498 about?
CFPB complaint 13272498 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 April 30, 2025.
Which company is complaint 13272498 filed against?
Complaint 13272498 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 13272498?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13272498 filed?
Complaint 13272498 was received by the CFPB on April 30, 2025. It was sent to EQUIFAX, INC. on April 30, 2025.
What state was complaint 13272498 filed from?
Complaint 13272498 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 13272498?
Dispute information is not available for complaint 13272498.
What product category is complaint 13272498 about?
Complaint 13272498 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 13272498 submitted?
Complaint 13272498 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 13272498?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 13272498 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 13272498?
This complaint is rated as medium risk. Incorrect personal information on a credit report can significantly impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 13272498?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected. 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 13272498?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13272498?
California consumers are protected by state laws that may offer additional rights regarding credit reporting and identity protection. This complaint was filed from California.
How does complaint 13272498 compare to industry norms?
This issue is common across credit reporting agencies, as errors in data aggregation and identity matching can occur.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should file a dispute with the credit reporting agency, providing evidence to support their claim. They should also consider placing a fraud alert on their credit file.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.