Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828475
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 13828475
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: Missouri
ZIP Code: 64117
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly attributed information can negatively impact a consumer's creditworthiness, affecting their ability to obtain loans or other financial products.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13828475 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 data belonging to someone else, appeared on their Equifax credit report. The complaint was received on May 31, 2025 from Missouri. 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 they maintain.
Regulatory Insight
This case highlights the importance of robust identity verification processes by credit bureaus to prevent data mix-ups.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Missouri.
Industry Comparison
Credit bureaus face ongoing challenges in maintaining accurate consumer data, with identity mix-ups being a recurring issue.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828475 about?
CFPB complaint 13828475 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 13828475 filed against?
Complaint 13828475 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 13828475?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828475 filed?
Complaint 13828475 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.
What state was complaint 13828475 filed from?
Complaint 13828475 was filed from Missouri. You can view all complaints from this state at /state/MO.
Was the consumer satisfied with the resolution of complaint 13828475?
Dispute information is not available for complaint 13828475.
What product category is complaint 13828475 about?
Complaint 13828475 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 13828475 submitted?
Complaint 13828475 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 13828475?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 13828475 to be resolved?
Resolution likelihood: mixed. 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 13828475?
This complaint is rated as medium risk. Incorrectly attributed information can negatively impact a consumer's creditworthiness, affecting their ability to obtain loans or other financial products.
What regulatory actions apply to complaint 13828475?
This case highlights the importance of robust identity verification processes by credit bureaus to prevent data mix-ups. 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 13828475?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13828475?
The complaint originated in Missouri. This complaint was filed from Missouri.
How does complaint 13828475 compare to industry norms?
Credit bureaus face ongoing challenges in maintaining accurate consumer data, with identity mix-ups being a recurring issue.
What steps can a consumer take if they discover information belonging to another person on their credit report?
The consumer should file a dispute with the credit reporting agency (Equifax in this case), providing evidence to support their claim. The FCRA mandates that the agency investigate the dispute within a reasonable timeframe, typically 30 days.
What is the responsibility of credit reporting agencies like Equifax when incorrect information is reported?
Credit reporting agencies are obligated under the FCRA to investigate disputes regarding the accuracy of consumer information. If information is found to be inaccurate or incomplete, they must correct or delete it.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.