Credit card -- Incorrect information on your report -- Complaint #13272505
Equifax Accused of Incorrect Credit Report Status
Complaint Overview
Complaint ID: 13272505
Company: Equifax, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: West Virginia
ZIP Code: 25419
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: medium
Incorrect account status on a credit report can negatively impact a consumer's ability to obtain future credit, potentially leading to higher interest rates or outright denial.
Consumer Sentiment: negative
Topics: Credit reporting, Account status, Consumer rights
AI Analysis
CFPB complaint 13272505 was filed against EQUIFAX, INC. regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A West Virginia consumer reported that their credit report contained incorrect information regarding their account status with Equifax, which was closed with non-monetary relief. The complaint was received on April 30, 2025 from West Virginia. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure the accuracy of information in consumer reports and to investigate disputes.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate account status information, and failure to do so can result in regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
In West Virginia, as elsewhere, consumers are protected by federal laws governing credit reporting accuracy.
Industry Comparison
This issue is common among credit card reporting, where account status changes can be complex to reflect accurately.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13272505 about?
CFPB complaint 13272505 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against EQUIFAX, INC. on April 30, 2025.
Which company is complaint 13272505 filed against?
Complaint 13272505 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 13272505?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13272505 filed?
Complaint 13272505 was received by the CFPB on April 30, 2025. It was sent to EQUIFAX, INC. on April 30, 2025.
What state was complaint 13272505 filed from?
Complaint 13272505 was filed from West Virginia. You can view all complaints from this state at /state/WV.
Was the consumer satisfied with the resolution of complaint 13272505?
Dispute information is not available for complaint 13272505.
What product category is complaint 13272505 about?
Complaint 13272505 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13272505 submitted?
Complaint 13272505 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 13272505?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure the accuracy of information in consumer reports and to investigate disputes. This relates to a Credit card complaint against EQUIFAX, INC. involving "Incorrect information on your report".
How likely is complaint 13272505 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 13272505?
This complaint is rated as medium risk. Incorrect account status on a credit report can negatively impact a consumer's ability to obtain future credit, potentially leading to higher interest rates or outright denial.
What regulatory actions apply to complaint 13272505?
Credit bureaus have a responsibility to maintain accurate account status information, and failure to do so can result in regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13272505?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 13272505?
In West Virginia, as elsewhere, consumers are protected by federal laws governing credit reporting accuracy. This complaint was filed from West Virginia.
How does complaint 13272505 compare to industry norms?
This issue is common among credit card reporting, where account status changes can be complex to reflect accurately.
What constitutes 'non-monetary relief' in the context of a closed credit account?
Non-monetary relief typically refers to actions taken by the creditor or credit bureau to correct an error or resolve a dispute without involving a direct financial payout to the consumer, such as updating account status or removing inaccurate information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.