Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19181235
Equifax Report Contains Someone Else's Debt
Complaint Overview
Complaint ID: 19181235
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: Michigan
ZIP Code: 48374
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The presence of another individual's debt on a credit report can negatively impact the consumer's creditworthiness and ability to obtain future credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Theft
AI Analysis
CFPB complaint 19181235 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 Michigan. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any inaccurate information on their credit reports with the credit bureau and the creditor.
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
This issue occurred in Michigan, and state laws may offer additional protections or recourse for consumers.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in matching consumer data can lead to significant problems.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19181235 about?
CFPB complaint 19181235 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 19181235 filed against?
Complaint 19181235 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 19181235?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19181235 filed?
Complaint 19181235 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 2, 2026.
What state was complaint 19181235 filed from?
Complaint 19181235 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 19181235?
Dispute information is not available for complaint 19181235.
What product category is complaint 19181235 about?
Complaint 19181235 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 19181235 submitted?
Complaint 19181235 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19181235?
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 19181235 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 19181235?
This complaint is rated as medium risk. The presence of another individual's debt on a credit report can negatively impact the consumer's creditworthiness and ability to obtain future credit.
What regulatory actions apply to complaint 19181235?
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 19181235?
Consumers should immediately dispute any inaccurate information on their credit reports with the credit bureau and the creditor.
Are there state-specific protections for complaint 19181235?
This issue occurred in Michigan, and state laws may offer additional protections or recourse for consumers. This complaint was filed from Michigan.
How does complaint 19181235 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in matching consumer data can lead to significant problems.
What steps should a consumer take if they suspect their identity has been compromised due to this error?
Beyond disputing the error with the credit bureau, the consumer should consider placing a fraud alert on their credit reports and filing a police report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.