Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383652

Incorrect Identity on Credit Report Leads to Consumer Complaint

Complaint Overview

Complaint ID: 14383652

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: 02368

Date Received: 2025-06-30T12:00:00-05:00

Date Sent to Company: 2025-06-30T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Risk Assessment

Risk Level: medium

The presence of another person's information on a credit report can significantly impact a consumer's financial standing, potentially affecting credit scores and access to financial products.

Consumer Sentiment: negative

Topics: Credit reporting, Incorrect information, Identity theft

AI Analysis

CFPB complaint 14383652 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 that of another individual, appeared on their Equifax credit report. The complaint was received on June 30, 2025 from Massachusetts. 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 in consumer reports and to investigate disputes.

Regulatory Insight

This case highlights the importance of robust identity verification processes by credit bureaus to prevent the commingling of consumer data.

Resolution Likelihood

likely

State-Specific Consumer Protections

Massachusetts consumers are protected by state laws that may offer additional rights regarding credit reporting and dispute resolution beyond federal FCRA requirements.

Industry Comparison

This issue is common across credit reporting agencies, as data errors and identity mix-ups can occur during data aggregation and reporting processes.

Related Issues

Frequently Asked Questions

What is CFPB complaint 14383652 about?

CFPB complaint 14383652 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 June 30, 2025.

Which company is complaint 14383652 filed against?

Complaint 14383652 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 14383652?

EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

When was complaint 14383652 filed?

Complaint 14383652 was received by the CFPB on June 30, 2025. It was sent to EQUIFAX, INC. on June 30, 2025.

What state was complaint 14383652 filed from?

Complaint 14383652 was filed from Massachusetts. You can view all complaints from this state at /state/MA.

Was the consumer satisfied with the resolution of complaint 14383652?

Dispute information is not available for complaint 14383652.

What product category is complaint 14383652 about?

Complaint 14383652 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 14383652 submitted?

Complaint 14383652 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 14383652?

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports and to investigate disputes. 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 14383652 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 14383652?

This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's financial standing, potentially affecting credit scores and access to financial products.

What regulatory actions apply to complaint 14383652?

This case highlights the importance of robust identity verification processes by credit bureaus to prevent the commingling of consumer data. 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 14383652?