Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14383721
Incorrect Personal Information on Equifax Credit Report
Complaint Overview
Complaint ID: 14383721
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: Michigan
ZIP Code: 48234
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
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 creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 14383721 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 an account belonging to someone else, appeared on their Equifax credit report. The complaint was received on June 30, 2025 from Michigan. 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 immediately.
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 report.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are involved.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in Michigan and was handled by Equifax, Inc.
Industry Comparison
Disputes over incorrect information are common in the credit reporting industry, but mixed files are a significant concern.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383721 about?
CFPB complaint 14383721 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 14383721 filed against?
Complaint 14383721 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 14383721?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383721 filed?
Complaint 14383721 was received by the CFPB on June 30, 2025. It was sent to EQUIFAX, INC. on June 30, 2025.
What state was complaint 14383721 filed from?
Complaint 14383721 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 14383721?
Dispute information is not available for complaint 14383721.
What product category is complaint 14383721 about?
Complaint 14383721 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 14383721 submitted?
Complaint 14383721 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 14383721?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report. 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 14383721 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 14383721?
This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 14383721?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are involved. 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 14383721?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 14383721?
This issue occurred in Michigan and was handled by Equifax, Inc. This complaint was filed from Michigan.
How does complaint 14383721 compare to industry norms?
Disputes over incorrect information are common in the credit reporting industry, but mixed files are a significant concern.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should file a dispute with the credit reporting agency, providing evidence to support their claim. They should also consider placing a fraud alert on their report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.