Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13272511
Equifax Credit Report Shows Incorrect Account Status
Complaint Overview
Complaint ID: 13272511
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Ohio
ZIP Code: 43420
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: low
The risk is low as the issue pertains to a single incorrect data point on a credit report, which is generally correctable.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Account Status
AI Analysis
CFPB complaint 13272511 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 status information on their Equifax credit report, which was closed with an explanation. The complaint was received on April 30, 2025 from Ohio. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure the accuracy of information in consumer reports.
Regulatory Insight
Credit bureaus must investigate disputes within a reasonable time, typically 30 days, and correct any inaccuracies found.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Ohio, and state laws may offer additional consumer protections regarding credit reporting.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can occur and require consumer intervention.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13272511 about?
CFPB complaint 13272511 involves Credit reporting or other personal consumer reports (Credit reporting). 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 13272511 filed against?
Complaint 13272511 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 13272511?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13272511 filed?
Complaint 13272511 was received by the CFPB on April 30, 2025. It was sent to EQUIFAX, INC. on April 30, 2025.
What state was complaint 13272511 filed from?
Complaint 13272511 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 13272511?
Dispute information is not available for complaint 13272511.
What product category is complaint 13272511 about?
Complaint 13272511 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 13272511 submitted?
Complaint 13272511 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 13272511?
The Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure the accuracy of information in consumer reports. 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 13272511 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 13272511?
This complaint is rated as low risk. The risk is low as the issue pertains to a single incorrect data point on a credit report, which is generally correctable.
What regulatory actions apply to complaint 13272511?
Credit bureaus must investigate disputes within a reasonable time, typically 30 days, and correct any inaccuracies found. 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 13272511?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit bureau.
Are there state-specific protections for complaint 13272511?
The complaint originated in Ohio, and state laws may offer additional consumer protections regarding credit reporting. This complaint was filed from Ohio.
How does complaint 13272511 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can occur and require consumer intervention.
What steps should a consumer take if they find incorrect account status information on their credit report?
The consumer should first gather evidence of the correct account status and then file a dispute with Equifax, providing the evidence. If Equifax fails to resolve the issue, the consumer can escalate the complaint to the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.