Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398277
Incorrect Identity Information on Equifax Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 18398277
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: Pennsylvania
ZIP Code: 19104
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
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 correction was made without financial compensation being awarded.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 18398277 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 information on their Equifax credit report, stating that the information belonged to someone else, and the issue was closed with non-monetary relief. The complaint was received on December 31, 2025 from Pennsylvania. 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.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Pennsylvania and was closed with non-monetary relief.
Industry Comparison
This is a common type of issue in the credit reporting industry, often resolved through dispute processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398277 about?
CFPB complaint 18398277 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 December 31, 2025.
Which company is complaint 18398277 filed against?
Complaint 18398277 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 18398277?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18398277 filed?
Complaint 18398277 was received by the CFPB on December 31, 2025. It was sent to EQUIFAX, INC. on January 1, 2026.
What state was complaint 18398277 filed from?
Complaint 18398277 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18398277?
Dispute information is not available for complaint 18398277.
What product category is complaint 18398277 about?
Complaint 18398277 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 18398277 submitted?
Complaint 18398277 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 18398277?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. 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 18398277 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 18398277?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without financial compensation being awarded.
What regulatory actions apply to complaint 18398277?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit information. 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 18398277?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18398277?
The complaint originated in Pennsylvania and was closed with non-monetary relief. This complaint was filed from Pennsylvania.
How does complaint 18398277 compare to industry norms?
This is a common type of issue in the credit reporting industry, often resolved through dispute processes.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief typically involves the correction or removal of inaccurate information from a credit report, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.