Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11346214
Experian Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 11346214
Company: Experian Information Solutions 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: Michigan
ZIP Code: 48228
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect information on a credit report, especially when it belongs to another individual, 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 11346214 was filed against Experian Information Solutions 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 Experian credit report in Michigan. The complaint was received on December 31, 2024 from Michigan. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any inaccurate information on their credit reports 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
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to maintain reasonable procedures to prevent the reporting of inaccurate data.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Michigan, consumers have rights under the FCRA to dispute and correct errors on their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, with consumers frequently encountering errors on their reports from various bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346214 about?
CFPB complaint 11346214 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 Experian Information Solutions Inc. on December 31, 2024.
Which company is complaint 11346214 filed against?
Complaint 11346214 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 11346214?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11346214 filed?
Complaint 11346214 was received by the CFPB on December 31, 2024. It was sent to Experian Information Solutions Inc. on December 31, 2024.
What state was complaint 11346214 filed from?
Complaint 11346214 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 11346214?
Dispute information is not available for complaint 11346214.
What product category is complaint 11346214 about?
Complaint 11346214 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 11346214 submitted?
Complaint 11346214 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 11346214?
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 Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 11346214 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 11346214?
This complaint is rated as medium risk. Incorrect information on a credit report, especially when it belongs to another individual, can significantly impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 11346214?
Credit bureaus have a responsibility to ensure the accuracy of the information they report and to maintain reasonable procedures to prevent the reporting of inaccurate data. 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 11346214?
Consumers should immediately dispute any inaccurate information on their credit reports with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 11346214?
In Michigan, consumers have rights under the FCRA to dispute and correct errors on their credit reports. This complaint was filed from Michigan.
How does complaint 11346214 compare to industry norms?
This issue is common across the credit reporting industry, with consumers frequently encountering errors on their reports from various bureaus.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should file a dispute with the credit reporting agency (Experian in this case) and the original creditor or data furnisher. They should provide documentation to support their claim that the information is not theirs.
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 during that 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.