Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16961549
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 16961549
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: Virginia
ZIP Code: 23701
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-10-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: 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 16961549 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, belonging to someone else, appeared on their Equifax credit report. The complaint was received on October 31, 2025 from Virginia. 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
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Virginia, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
Disputes over incorrect personal information are common in the credit reporting industry, often stemming from data entry errors or identity mix-ups.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16961549 about?
CFPB complaint 16961549 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 October 31, 2025.
Which company is complaint 16961549 filed against?
Complaint 16961549 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 16961549?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 16961549 filed?
Complaint 16961549 was received by the CFPB on October 31, 2025. It was sent to EQUIFAX, INC. on October 31, 2025.
What state was complaint 16961549 filed from?
Complaint 16961549 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 16961549?
Dispute information is not available for complaint 16961549.
What product category is complaint 16961549 about?
Complaint 16961549 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 16961549 submitted?
Complaint 16961549 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 16961549?
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 16961549 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 16961549?
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 16961549?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected. 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 16961549?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 16961549?
In Virginia, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Virginia.
How does complaint 16961549 compare to industry norms?
Disputes over incorrect personal information are common in the credit reporting industry, often stemming from data entry errors or identity mix-ups.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence to support their claim. They should also consider filing a complaint with the CFPB if the issue is not resolved.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.