Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13277281
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 13277281
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: Tennessee
ZIP Code: 37215
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 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, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13277281 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 April 30, 2025 from Tennessee. 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 immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or misidentification is suspected.
Resolution Likelihood
likely
State-Specific Consumer Protections
Tennessee residents are protected by federal credit reporting laws, and state-specific consumer protection agencies may offer additional recourse.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the persistent challenge of maintaining accurate consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13277281 about?
CFPB complaint 13277281 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 13277281 filed against?
Complaint 13277281 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 13277281?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13277281 filed?
Complaint 13277281 was received by the CFPB on April 30, 2025. It was sent to EQUIFAX, INC. on April 30, 2025.
What state was complaint 13277281 filed from?
Complaint 13277281 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 13277281?
Dispute information is not available for complaint 13277281.
What product category is complaint 13277281 about?
Complaint 13277281 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 13277281 submitted?
Complaint 13277281 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 13277281?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file. 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 13277281 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 13277281?
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 13277281?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or misidentification is 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 13277281?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13277281?
Tennessee residents are protected by federal credit reporting laws, and state-specific consumer protection agencies may offer additional recourse. This complaint was filed from Tennessee.
How does complaint 13277281 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the persistent challenge of maintaining accurate consumer data.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the incorrect information with the credit reporting agency (Equifax in this case) and provide any supporting documentation. They should also consider placing a fraud alert on their credit file.
What is the typical resolution for a case where incorrect identity information is reported?
Resolution typically involves the credit bureau investigating the dispute, removing the incorrect information, and updating the consumer's report. Non-monetary relief often means the error is corrected without financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.