Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828482
Incorrect Identity on Equifax Report Leads to Consumer Complaint
Complaint Overview
Complaint ID: 13828482
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: New Jersey
ZIP Code: 08060
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: low
The risk is low as the issue is a data entry error that can be corrected by the credit bureau.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13828482 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A New Jersey consumer reported that incorrect information, specifically that of another individual, appeared on their Equifax credit report. The complaint was received on May 31, 2025 from New Jersey. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports.
Regulatory Insight
Credit bureaus must investigate disputes within a reasonable timeframe, typically 30 days, and correct any verified inaccuracies.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This type of error, while frustrating, is not uncommon across credit reporting agencies and is usually resolved through the dispute process.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828482 about?
CFPB complaint 13828482 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 13828482 filed against?
Complaint 13828482 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 13828482?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828482 filed?
Complaint 13828482 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.
What state was complaint 13828482 filed from?
Complaint 13828482 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 13828482?
Dispute information is not available for complaint 13828482.
What product category is complaint 13828482 about?
Complaint 13828482 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 13828482 submitted?
Complaint 13828482 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 13828482?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the 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 13828482 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 13828482?
This complaint is rated as low risk. The risk is low as the issue is a data entry error that can be corrected by the credit bureau.
What regulatory actions apply to complaint 13828482?
Credit bureaus must investigate disputes within a reasonable timeframe, typically 30 days, and correct any verified inaccuracies. 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 13828482?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately.
Are there state-specific protections for complaint 13828482?
In New Jersey, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from New Jersey.
How does complaint 13828482 compare to industry norms?
This type of error, while frustrating, is not uncommon across credit reporting agencies and is usually resolved through the dispute process.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing any supporting documentation. They should also contact the creditor associated with the incorrect information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.