Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161243
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 19161243
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: Missouri
ZIP Code: 63138
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Theft, FCRA
AI Analysis
CFPB complaint 19161243 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, specifically information belonging to someone else, appeared on their Equifax credit report. The complaint was received on January 31, 2026 from Missouri. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any incorrect information on their credit report with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate credit information and must take steps to prevent identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in Missouri, and state-specific consumer protection laws may also apply.
Industry Comparison
This is a common issue within the credit reporting industry, often stemming from data errors or identity theft.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161243 about?
CFPB complaint 19161243 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 January 31, 2026.
Which company is complaint 19161243 filed against?
Complaint 19161243 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 19161243?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19161243 filed?
Complaint 19161243 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 1, 2026.
What state was complaint 19161243 filed from?
Complaint 19161243 was filed from Missouri. You can view all complaints from this state at /state/MO.
Was the consumer satisfied with the resolution of complaint 19161243?
Dispute information is not available for complaint 19161243.
What product category is complaint 19161243 about?
Complaint 19161243 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 19161243 submitted?
Complaint 19161243 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 19161243?
The Fair Credit Reporting Act (FCRA) requires credit bureaus 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 19161243 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 19161243?
This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 19161243?
Credit bureaus have a responsibility to maintain accurate credit information and must take steps to prevent identity mix-ups. 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 19161243?
Consumers should immediately dispute any incorrect information on their credit report with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 19161243?
This issue occurred in Missouri, and state-specific consumer protection laws may also apply. This complaint was filed from Missouri.
How does complaint 19161243 compare to industry norms?
This is a common issue within the credit reporting industry, often stemming from data errors or identity theft.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should file a formal dispute with the credit reporting agency (Equifax in this case) and the creditor that reported the information. They should provide documentation to support their claim that the information is not theirs.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.