Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828471
Incorrect Debt Information on Equifax Report
Complaint Overview
Complaint ID: 13828471
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: North Carolina
ZIP Code: 27051
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly reported debts can negatively impact a consumer's credit score and ability to obtain credit, requiring diligent dispute resolution.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13828471 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 a debt belonging to someone else, appeared on their Equifax credit report. The complaint was received on May 31, 2025 from North Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information, especially debts that do not belong to them, with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to correct errors promptly upon notification.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in North Carolina and was handled by Equifax, Inc.
Industry Comparison
Disputes over incorrect personal information, including misattributed debts, are a common type of complaint within the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828471 about?
CFPB complaint 13828471 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 May 31, 2025.
Which company is complaint 13828471 filed against?
Complaint 13828471 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 13828471?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828471 filed?
Complaint 13828471 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.
What state was complaint 13828471 filed from?
Complaint 13828471 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 13828471?
Dispute information is not available for complaint 13828471.
What product category is complaint 13828471 about?
Complaint 13828471 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 13828471 submitted?
Complaint 13828471 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 13828471?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on 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 13828471 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 13828471?
This complaint is rated as medium risk. Incorrectly reported debts can negatively impact a consumer's credit score and ability to obtain credit, requiring diligent dispute resolution.
What regulatory actions apply to complaint 13828471?
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to correct errors promptly upon notification. 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 13828471?
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information, especially debts that do not belong to them, with the credit bureau.
Are there state-specific protections for complaint 13828471?
This issue occurred in North Carolina and was handled by Equifax, Inc. This complaint was filed from North Carolina.
How does complaint 13828471 compare to industry norms?
Disputes over incorrect personal information, including misattributed debts, are a common type of complaint within the credit reporting industry.
What steps should a consumer take if they discover a debt that belongs to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Equifax in this case) and provide any supporting documentation. They should also consider contacting the original creditor if the debt was wrongly reported by them.
What is the typical timeframe for a credit bureau to resolve a dispute about incorrect information?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during the 30-day period. They must correct or remove inaccurate information within this timeframe.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.