Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19874188
Equifax Report Contains Another Person's Information
Complaint Overview
Complaint ID: 19874188
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 Jersey
ZIP Code: 07042
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 financial standing and ability to obtain credit.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Identity Issues
AI Analysis
CFPB complaint 19874188 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A New Jersey consumer reported incorrect information on their Equifax credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on February 28, 2026 from New Jersey. 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) mandates that credit reporting agencies accurately report consumer information and investigate disputes.
Regulatory Insight
Credit bureaus have a responsibility to maintain accurate data and promptly correct errors, especially when identity theft or mixed files are involved.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New Jersey, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the persistent challenge of maintaining data integrity and preventing mixed files.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874188 about?
CFPB complaint 19874188 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 19874188 filed against?
Complaint 19874188 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 19874188?
EQUIFAX, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874188 filed?
Complaint 19874188 was received by the CFPB on February 28, 2026. It was sent to EQUIFAX, INC. on March 1, 2026.
What state was complaint 19874188 filed from?
Complaint 19874188 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 19874188?
Dispute information is not available for complaint 19874188.
What product category is complaint 19874188 about?
Complaint 19874188 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 19874188 submitted?
Complaint 19874188 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 19874188?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies accurately report consumer information and investigate disputes. 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 19874188 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 19874188?
This complaint is rated as medium risk. Incorrect personal information on a credit report can negatively impact a consumer's financial standing and ability to obtain credit.
What regulatory actions apply to complaint 19874188?
Credit bureaus have a responsibility to maintain accurate data and promptly 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 19874188?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 19874188?
In New Jersey, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from New Jersey.
How does complaint 19874188 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the persistent challenge of maintaining data integrity and preventing mixed files.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
Immediately dispute the inaccurate information with the credit bureau, providing any supporting documentation. If the issue persists, consider filing a complaint with the CFPB or seeking legal counsel.
How can credit reporting agencies prevent mixed files and ensure data accuracy?
Robust identity verification processes, regular data audits, and efficient dispute resolution mechanisms are crucial for preventing and correcting mixed files.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.