Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874045
Incorrect Identity on Equifax Credit Report
Complaint Overview
Complaint ID: 19874045
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: Georgia
ZIP Code: 30311
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because incorrect information on a credit report can lead to denial of credit, higher interest rates, and significant financial distress for the consumer.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 19874045 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 that of another individual, appeared on their Equifax credit report. The complaint was received on February 28, 2026 from Georgia. 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 in a consumer's file.
Regulatory Insight
This case highlights the importance of robust identity verification processes by credit bureaus to prevent mixed files.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Georgia consumers are protected by the FCRA, which governs credit reporting practices.
Industry Comparison
This issue is common across the credit reporting industry, with consumers frequently experiencing mixed files or incorrect personal information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874045 about?
CFPB complaint 19874045 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 February 28, 2026.
Which company is complaint 19874045 filed against?
Complaint 19874045 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 19874045?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874045 filed?
Complaint 19874045 was received by the CFPB on February 28, 2026. It was sent to EQUIFAX, INC. on March 1, 2026.
What state was complaint 19874045 filed from?
Complaint 19874045 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19874045?
Dispute information is not available for complaint 19874045.
What product category is complaint 19874045 about?
Complaint 19874045 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 19874045 submitted?
Complaint 19874045 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 19874045?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file. 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 19874045 to be resolved?
Resolution likelihood: mixed. 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 19874045?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can lead to denial of credit, higher interest rates, and significant financial distress for the consumer.
What regulatory actions apply to complaint 19874045?
This case highlights the importance of robust identity verification processes by credit bureaus to prevent mixed files. 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 19874045?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19874045?
Georgia consumers are protected by the FCRA, which governs credit reporting practices. This complaint was filed from Georgia.
How does complaint 19874045 compare to industry norms?
This issue is common across the credit reporting industry, with consumers frequently experiencing mixed files or incorrect personal information.
What steps should a consumer take if they discover someone else's information 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 Equifax's responsibility in this situation?
Equifax has a legal obligation under the FCRA to investigate the dispute and correct any inaccurate information on the consumer's report within a reasonable timeframe, typically 30 days.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.