Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161266
Equifax Report Contains Someone Else's Debt
Complaint Overview
Complaint ID: 19161266
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: Mississippi
ZIP Code: 38701
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
Incorrect 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 19161266 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 a debt belonging to someone else, appeared on their Equifax credit report. The complaint was received on January 31, 2026 from Mississippi. 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 bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to investigate consumer disputes promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
Mississippi consumers are protected by the FCRA, which governs credit reporting practices.
Industry Comparison
This issue is common across credit reporting agencies, as errors in matching consumer data can lead to reporting inaccuracies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161266 about?
CFPB complaint 19161266 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 19161266 filed against?
Complaint 19161266 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 19161266?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19161266 filed?
Complaint 19161266 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 1, 2026.
What state was complaint 19161266 filed from?
Complaint 19161266 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 19161266?
Dispute information is not available for complaint 19161266.
What product category is complaint 19161266 about?
Complaint 19161266 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 19161266 submitted?
Complaint 19161266 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 19161266?
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 19161266 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 19161266?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 19161266?
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to investigate consumer disputes promptly. 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 19161266?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19161266?
Mississippi consumers are protected by the FCRA, which governs credit reporting practices. This complaint was filed from Mississippi.
How does complaint 19161266 compare to industry norms?
This issue is common across credit reporting agencies, as errors in matching consumer data can lead to reporting inaccuracies.
What steps should a consumer take if they discover someone else's debt on their credit report?
The consumer should immediately dispute the incorrect information with the credit reporting agency (Equifax in this case) and provide any supporting documentation. They should also consider contacting the original creditor if known.
What is the typical timeframe for a credit reporting agency to resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during that period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.