Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13293724
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 13293724
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: Florida
ZIP Code: 32084
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 incorrect personal information that can typically be corrected through standard dispute processes.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13293724 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Florida consumer reported incorrect information on their Equifax credit report, stating that the information belonged to someone else, and the complaint was closed with an explanation. The complaint was received on April 30, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for any inaccuracies and dispute them promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This is a common issue across the credit reporting industry, where errors in data can lead to incorrect reporting.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13293724 about?
CFPB complaint 13293724 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 13293724 filed against?
Complaint 13293724 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 13293724?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13293724 filed?
Complaint 13293724 was received by the CFPB on April 30, 2025. It was sent to EQUIFAX, INC. on April 30, 2025.
What state was complaint 13293724 filed from?
Complaint 13293724 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 13293724?
Dispute information is not available for complaint 13293724.
What product category is complaint 13293724 about?
Complaint 13293724 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 13293724 submitted?
Complaint 13293724 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 13293724?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. 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 13293724 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 13293724?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect personal information that can typically be corrected through standard dispute processes.
What regulatory actions apply to complaint 13293724?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information. 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 13293724?
Consumers should carefully review their credit reports for any inaccuracies and dispute them promptly with the credit reporting agency.
Are there state-specific protections for complaint 13293724?
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Florida.
How does complaint 13293724 compare to industry norms?
This is a common issue across the credit reporting industry, where errors in data can lead to incorrect reporting.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence to support their claim. They may also consider filing a police report if identity theft is suspected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.