Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15012982
Equifax Credit Report Error Resolved Without Monetary Compensation
Complaint Overview
Complaint ID: 15012982
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Alabama
ZIP Code: 35474
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
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 correction of the reported error without significant financial impact.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 15012982 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 account information on their credit report to Equifax, which was closed with non-monetary relief. The complaint was received on July 31, 2025 from Alabama. 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 with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and bureaus to investigate disputes.
Regulatory Insight
This case highlights the importance of the FCRA's dispute resolution process, where non-monetary relief often signifies a successful correction of inaccurate data.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Alabama, consumers have rights under the FCRA to ensure the accuracy of their credit reporting information.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in account information can occur and are typically resolved through the dispute process.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15012982 about?
CFPB complaint 15012982 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against EQUIFAX, INC. on July 31, 2025.
Which company is complaint 15012982 filed against?
Complaint 15012982 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 15012982?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 15012982 filed?
Complaint 15012982 was received by the CFPB on July 31, 2025. It was sent to EQUIFAX, INC. on July 31, 2025.
What state was complaint 15012982 filed from?
Complaint 15012982 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 15012982?
Dispute information is not available for complaint 15012982.
What product category is complaint 15012982 about?
Complaint 15012982 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 15012982 submitted?
Complaint 15012982 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 15012982?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and bureaus 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 15012982 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 15012982?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a likely correction of the reported error without significant financial impact.
What regulatory actions apply to complaint 15012982?
This case highlights the importance of the FCRA's dispute resolution process, where non-monetary relief often signifies a successful correction of inaccurate 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 15012982?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency.
Are there state-specific protections for complaint 15012982?
In Alabama, consumers have rights under the FCRA to ensure the accuracy of their credit reporting information. This complaint was filed from Alabama.
How does complaint 15012982 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in account information can occur and are typically resolved through the dispute process.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically means the inaccurate information was corrected or removed from the credit report, without the consumer receiving any financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.