Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20946900
Incorrect Personal Information on Equifax Report
Complaint Overview
Complaint ID: 20946900
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 York
ZIP Code: 11003
Date Received: 2026-04-04T12:00:00-05:00
Date Sent to Company: 2026-04-04T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 20946900 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 data belonging to someone else, appeared on their Equifax credit report. The complaint was received on April 4, 2026 from New York. The company responded with "In progress".
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 they collect and report.
Regulatory Insight
Equifax must investigate the reported inaccuracy and correct the information if it is indeed erroneous, as per FCRA regulations.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in New York and is currently being handled by the CFPB.
Industry Comparison
Disputes over incorrect personal information are common in the credit reporting industry, affecting all major bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20946900 about?
CFPB complaint 20946900 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 4, 2026.
Which company is complaint 20946900 filed against?
Complaint 20946900 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 20946900?
EQUIFAX, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20946900 filed?
Complaint 20946900 was received by the CFPB on April 4, 2026. It was sent to EQUIFAX, INC. on April 4, 2026.
What state was complaint 20946900 filed from?
Complaint 20946900 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 20946900?
Dispute information is not available for complaint 20946900.
What product category is complaint 20946900 about?
Complaint 20946900 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 20946900 submitted?
Complaint 20946900 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 20946900?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report. 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 20946900 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 20946900?
This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 20946900?
Equifax must investigate the reported inaccuracy and correct the information if it is indeed erroneous, as per FCRA regulations. 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 20946900?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 20946900?
This issue occurred in New York and is currently being handled by the CFPB. This complaint was filed from New York.
How does complaint 20946900 compare to industry norms?
Disputes over incorrect personal information are common in the credit reporting industry, affecting all major bureaus.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the information with the credit bureau (Equifax in this case) and provide any supporting documentation. They should also consider filing a police report if identity theft is suspected.
What is Equifax's responsibility when incorrect information is reported?
Equifax is obligated under the FCRA to investigate the dispute within a reasonable timeframe (typically 30 days) and correct or remove any inaccurate information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.