Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828485
Equifax Credit Report Error: Incorrect Identity Information
Complaint Overview
Complaint ID: 13828485
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: California
ZIP Code: 93309
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 was resolved with non-monetary relief, indicating a likely error correction rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13828485 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A California consumer reported incorrect information on their Equifax credit report, stating the information belonged to someone else, and the issue was closed with non-monetary relief. The complaint was received on May 31, 2025 from California. 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 promptly.
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 FCRA's mandate for accuracy in credit reporting and the process for dispute resolution.
Resolution Likelihood
likely
State-Specific Consumer Protections
In California, consumers have specific rights regarding credit reporting, including the right to dispute inaccurate information.
Industry Comparison
This is a common issue within the credit reporting industry, where identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828485 about?
CFPB complaint 13828485 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 13828485 filed against?
Complaint 13828485 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 13828485?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828485 filed?
Complaint 13828485 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.
What state was complaint 13828485 filed from?
Complaint 13828485 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 13828485?
Dispute information is not available for complaint 13828485.
What product category is complaint 13828485 about?
Complaint 13828485 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 13828485 submitted?
Complaint 13828485 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 13828485?
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 13828485 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 13828485?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a likely error correction rather than a systemic problem.
What regulatory actions apply to complaint 13828485?
This case highlights the FCRA's mandate for accuracy in credit reporting and the process for dispute resolution. 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 13828485?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 13828485?
In California, consumers have specific rights regarding credit reporting, including the right to dispute inaccurate information. This complaint was filed from California.
How does complaint 13828485 compare to industry norms?
This is a common issue within the credit reporting industry, where identity mix-ups can occur.
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 should also consider notifying the creditor associated with the incorrect information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.