Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283180
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 16283180
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: Florida
ZIP Code: 33138
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect personal 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 theft
AI Analysis
CFPB complaint 16283180 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Florida consumer reported that incorrect information, specifically that of another individual, appeared on their Equifax credit report. The complaint was received on September 30, 2025 from Florida. 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 a consumer's file.
Regulatory Insight
This case highlights the FCRA's requirement for furnishers to investigate disputes and correct or remove inaccurate information, especially when it pertains to identity theft or mixed files.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state law to dispute credit report errors, in addition to federal protections.
Industry Comparison
Disputes over incorrect personal information are common in the credit reporting industry, often stemming from mixed files or identity theft.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283180 about?
CFPB complaint 16283180 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 September 30, 2025.
Which company is complaint 16283180 filed against?
Complaint 16283180 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 16283180?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 16283180 filed?
Complaint 16283180 was received by the CFPB on September 30, 2025. It was sent to EQUIFAX, INC. on September 30, 2025.
What state was complaint 16283180 filed from?
Complaint 16283180 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 16283180?
Dispute information is not available for complaint 16283180.
What product category is complaint 16283180 about?
Complaint 16283180 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 16283180 submitted?
Complaint 16283180 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 16283180?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file. 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 16283180 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 16283180?
This complaint is rated as medium risk. Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 16283180?
This case highlights the FCRA's requirement for furnishers to investigate disputes and correct or remove inaccurate information, especially when it pertains to identity theft or mixed files. 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 16283180?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 16283180?
In Florida, consumers have rights under state law to dispute credit report errors, in addition to federal protections. This complaint was filed from Florida.
How does complaint 16283180 compare to industry norms?
Disputes over incorrect personal information are common in the credit reporting industry, often stemming from mixed files or identity theft.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Equifax in this case) and provide any supporting documentation. They should also consider filing a complaint with the CFPB.
What is the responsibility of credit reporting agencies when incorrect information is reported?
Credit reporting agencies are required by the FCRA to investigate disputes within a reasonable time, typically 30 days, and to correct or remove inaccurate information if the dispute is substantiated.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.