Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874047
Incorrect Identity on Credit Report Leads to Consumer Complaint
Complaint Overview
Complaint ID: 19874047
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: Arizona
ZIP Code: 85013
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
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 19874047 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 Arizona. 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
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
This complaint originated in Arizona, highlighting a potential issue affecting consumers nationwide.
Industry Comparison
Disputes over incorrect information, including identity mix-ups, are common issues faced by consumers with credit reporting agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874047 about?
CFPB complaint 19874047 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 19874047 filed against?
Complaint 19874047 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 19874047?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874047 filed?
Complaint 19874047 was received by the CFPB on February 28, 2026. It was sent to EQUIFAX, INC. on March 1, 2026.
What state was complaint 19874047 filed from?
Complaint 19874047 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 19874047?
Dispute information is not available for complaint 19874047.
What product category is complaint 19874047 about?
Complaint 19874047 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 19874047 submitted?
Complaint 19874047 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 19874047?
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 19874047 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 19874047?
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 19874047?
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 19874047?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19874047?
This complaint originated in Arizona, highlighting a potential issue affecting consumers nationwide. This complaint was filed from Arizona.
How does complaint 19874047 compare to industry norms?
Disputes over incorrect information, including identity mix-ups, are common issues faced by consumers with credit reporting agencies.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately contact the credit reporting agency (Equifax in this case) to dispute the inaccurate information and provide any supporting documentation. They should also consider placing a fraud alert on their credit file.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.