Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828512
Incorrect Debt Information on Equifax Report
Complaint Overview
Complaint ID: 13828512
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: Massachusetts
ZIP Code: 02301
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
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 13828512 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 Massachusetts. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and disseminate.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information clearly belongs to another individual.
Resolution Likelihood
likely
State-Specific Consumer Protections
Massachusetts consumers are protected by state laws that may offer additional rights regarding credit reporting.
Industry Comparison
This issue is common across credit reporting agencies, as errors in data aggregation and matching can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828512 about?
CFPB complaint 13828512 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 13828512 filed against?
Complaint 13828512 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 13828512?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828512 filed?
Complaint 13828512 was received by the CFPB on May 31, 2025. It was sent to EQUIFAX, INC. on May 31, 2025.
What state was complaint 13828512 filed from?
Complaint 13828512 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 13828512?
Dispute information is not available for complaint 13828512.
What product category is complaint 13828512 about?
Complaint 13828512 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 13828512 submitted?
Complaint 13828512 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 13828512?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and disseminate. 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 13828512 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 13828512?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 13828512?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information clearly belongs to another individual. 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 13828512?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 13828512?
Massachusetts consumers are protected by state laws that may offer additional rights regarding credit reporting. This complaint was filed from Massachusetts.
How does complaint 13828512 compare to industry norms?
This issue is common across credit reporting agencies, as errors in data aggregation and matching can occur.
What steps should a consumer take if they discover a debt that does not belong to them on their credit report?
The consumer should immediately dispute the incorrect information with the credit reporting agency (Equifax in this case) and provide any supporting documentation. They should also consider contacting the original creditor to resolve the issue.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.