Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20926664
Incorrect Identity on Equifax Report
Complaint Overview
Complaint ID: 20926664
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: Alabama
ZIP Code: 35124
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
This complaint could lead to a significant impact on the consumer's credit score and ability to obtain credit if not resolved promptly.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity dispute
AI Analysis
CFPB complaint 20926664 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer is disputing incorrect information on their Equifax credit report, alleging that the information belongs to someone else. The complaint was received on April 3, 2026 from Alabama. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any incorrect information on their credit report with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes and correct inaccurate information.
Regulatory Insight
Equifax must ensure the accuracy of the information it reports and investigate disputes thoroughly.
Resolution Likelihood
likely
State-Specific Consumer Protections
Alabama residents are subject to the FCRA, which provides protections against inaccurate credit reporting.
Industry Comparison
This is a common issue within the credit reporting industry, where identity theft or data entry errors can lead to incorrect reporting.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20926664 about?
CFPB complaint 20926664 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 April 3, 2026.
Which company is complaint 20926664 filed against?
Complaint 20926664 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 20926664?
EQUIFAX, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20926664 filed?
Complaint 20926664 was received by the CFPB on April 3, 2026. It was sent to EQUIFAX, INC. on April 3, 2026.
What state was complaint 20926664 filed from?
Complaint 20926664 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 20926664?
Dispute information is not available for complaint 20926664.
What product category is complaint 20926664 about?
Complaint 20926664 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 20926664 submitted?
Complaint 20926664 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 20926664?
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 20926664 to be resolved?
Resolution likelihood: likely. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20926664?
This complaint is rated as medium risk. This complaint could lead to a significant impact on the consumer's credit score and ability to obtain credit if not resolved promptly.
What regulatory actions apply to complaint 20926664?
Equifax must ensure the accuracy of the information it reports and investigate disputes thoroughly. 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 20926664?
Consumers should immediately dispute any incorrect information on their credit report with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20926664?
Alabama residents are subject to the FCRA, which provides protections against inaccurate credit reporting. This complaint was filed from Alabama.
How does complaint 20926664 compare to industry norms?
This is a common issue within the credit reporting industry, where identity theft or data entry errors can lead to incorrect reporting.
What steps should a consumer take if they suspect their identity has been compromised on a credit report?
Place a fraud alert on your credit reports with all three major credit bureaus and consider a credit freeze. File a police report and report the identity theft to the FTC.
How long does a credit bureau typically have to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information after the initial submission.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.