Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012946
Equifax Report Contains Incorrect Personal Information
Complaint Overview
Complaint ID: 15012946
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Illinois
ZIP Code: 60644
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to incorrect personal information, which is generally correctable and less severe than issues like identity theft or significant financial inaccuracies.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Personal information
AI Analysis
CFPB complaint 15012946 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 incorrect personal information on their Equifax credit report, which was closed with an explanation. The complaint was received on July 31, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect personal information with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's report.
Regulatory Insight
This case highlights the ongoing need for credit bureaus to maintain accurate personal identifiers on consumer reports and to have efficient dispute resolution processes.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Illinois, indicating a need for consistent data accuracy across all states.
Industry Comparison
This is a common type of issue reported to credit bureaus, reflecting the challenges in maintaining up-to-date and accurate consumer data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012946 about?
CFPB complaint 15012946 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Personal information incorrect". This complaint was filed against EQUIFAX, INC. on July 31, 2025.
Which company is complaint 15012946 filed against?
Complaint 15012946 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 15012946?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15012946 filed?
Complaint 15012946 was received by the CFPB on July 31, 2025. It was sent to EQUIFAX, INC. on July 31, 2025.
What state was complaint 15012946 filed from?
Complaint 15012946 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 15012946?
Dispute information is not available for complaint 15012946.
What product category is complaint 15012946 about?
Complaint 15012946 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 15012946 submitted?
Complaint 15012946 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 15012946?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding the accuracy of information on a consumer's 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 15012946 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 15012946?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect personal information, which is generally correctable and less severe than issues like identity theft or significant financial inaccuracies.
What regulatory actions apply to complaint 15012946?
This case highlights the ongoing need for credit bureaus to maintain accurate personal identifiers on consumer reports and to have efficient dispute resolution processes. 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 15012946?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect personal information with the credit reporting agency.
Are there state-specific protections for complaint 15012946?
The complaint originated in Illinois, indicating a need for consistent data accuracy across all states. This complaint was filed from Illinois.
How does complaint 15012946 compare to industry norms?
This is a common type of issue reported to credit bureaus, reflecting the challenges in maintaining up-to-date and accurate consumer data.
What steps should a consumer take if they find incorrect personal information on their credit report?
The consumer should first contact the credit reporting agency (Equifax in this case) to dispute the information. They should provide documentation to support their claim and keep records of all communication.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides new information during the 30-day period) to investigate and respond to a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.