Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161272
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 19161272
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: 33032
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with explanation
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 19161272 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 Florida. The company responded with "Closed with explanation".
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 they collect and report.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are involved.
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
This issue is common across the credit reporting industry, as errors in data aggregation and identity matching can occur with any bureau.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161272 about?
CFPB complaint 19161272 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 19161272 filed against?
Complaint 19161272 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 19161272?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161272 filed?
Complaint 19161272 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 1, 2026.
What state was complaint 19161272 filed from?
Complaint 19161272 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 19161272?
Dispute information is not available for complaint 19161272.
What product category is complaint 19161272 about?
Complaint 19161272 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 19161272 submitted?
Complaint 19161272 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 19161272?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report. 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 19161272 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161272?
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 19161272?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are involved. 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 19161272?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19161272?
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 19161272 compare to industry norms?
This issue is common across the credit reporting industry, as errors in data aggregation and identity matching can occur with any bureau.
What steps should a consumer take if they discover information belonging to another person 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 typical timeframe for a credit reporting agency to resolve a dispute regarding incorrect information?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate and respond to a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.