Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9149530
Incorrect Identity on Equifax Credit Report Resolved
Complaint Overview
Complaint ID: 9149530
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: Arkansas
ZIP Code: 72118
Date Received: 2024-05-31T12:00:00-05:00
Date Sent to Company: 2024-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating a straightforward correction rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 9149530 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 May 31, 2024 from Arkansas. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate consumer identification to prevent identity mix-ups.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Arkansas and was handled through the web portal.
Industry Comparison
This is a common type of error in the credit reporting industry, often stemming from data entry or matching issues.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9149530 about?
CFPB complaint 9149530 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 May 31, 2024.
Which company is complaint 9149530 filed against?
Complaint 9149530 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 9149530?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9149530 filed?
Complaint 9149530 was received by the CFPB on May 31, 2024. It was sent to EQUIFAX, INC. on May 31, 2024.
What state was complaint 9149530 filed from?
Complaint 9149530 was filed from Arkansas. You can view all complaints from this state at /state/AR.
Was the consumer satisfied with the resolution of complaint 9149530?
Dispute information is not available for complaint 9149530.
What product category is complaint 9149530 about?
Complaint 9149530 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 9149530 submitted?
Complaint 9149530 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 9149530?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer reports. 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 9149530 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9149530?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a straightforward correction rather than a systemic problem.
What regulatory actions apply to complaint 9149530?
This case highlights the importance of credit bureaus maintaining accurate consumer identification to prevent identity mix-ups. 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 9149530?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 9149530?
The complaint originated in Arkansas and was handled through the web portal. This complaint was filed from Arkansas.
How does complaint 9149530 compare to industry norms?
This is a common type of error in the credit reporting industry, often stemming from data entry or matching issues.
What steps should a consumer take if they discover someone else's information on their credit report?
Immediately dispute the inaccurate information with the credit reporting agency, providing any supporting documentation. You should also notify the creditor that furnished the incorrect information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.