Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161344
Incorrect Identity Information on Equifax Report
Complaint Overview
Complaint ID: 19161344
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: New York
ZIP Code: 11766
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 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 19161344 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 January 31, 2026 from New York. 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 they maintain.
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
New York consumers are protected by state laws that may offer additional rights regarding credit reporting accuracy.
Industry Comparison
This issue is common across credit reporting agencies, often stemming from data entry errors or identity mix-ups.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161344 about?
CFPB complaint 19161344 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 19161344 filed against?
Complaint 19161344 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 19161344?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19161344 filed?
Complaint 19161344 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 1, 2026.
What state was complaint 19161344 filed from?
Complaint 19161344 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 19161344?
Dispute information is not available for complaint 19161344.
What product category is complaint 19161344 about?
Complaint 19161344 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 19161344 submitted?
Complaint 19161344 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 19161344?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 19161344 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 19161344?
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 19161344?
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 19161344?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19161344?
New York consumers are protected by state laws that may offer additional rights regarding credit reporting accuracy. This complaint was filed from New York.
How does complaint 19161344 compare to industry norms?
This issue is common across credit reporting agencies, often stemming from data entry errors or identity mix-ups.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should dispute the information with the credit bureau, providing evidence that the information belongs to someone else. They should also consider filing a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.