Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11882203
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 11882203
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: New Jersey
ZIP Code: 08619
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-01-31T12:00:00-05:00
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 11882203 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 New Jersey consumer reported that incorrect information, specifically data belonging to someone else, appeared on their Experian credit report. The complaint was received on January 31, 2025 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) requires credit reporting agencies to ensure the accuracy of the information they maintain.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, including instances where information from one consumer is erroneously associated with another.
Resolution Likelihood
likely
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 the credit reporting industry, as data errors can occur during the aggregation and reporting processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11882203 about?
CFPB complaint 11882203 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 January 31, 2025.
Which company is complaint 11882203 filed against?
Complaint 11882203 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 11882203?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11882203 filed?
Complaint 11882203 was received by the CFPB on January 31, 2025. It was sent to Experian Information Solutions Inc. on January 31, 2025.
What state was complaint 11882203 filed from?
Complaint 11882203 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 11882203?
Dispute information is not available for complaint 11882203.
What product category is complaint 11882203 about?
Complaint 11882203 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 11882203 submitted?
Complaint 11882203 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 11882203?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 11882203 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 11882203?
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 11882203?
Credit bureaus have a responsibility to investigate disputes and correct errors, including instances where information from one consumer is erroneously associated with another. 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 11882203?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 11882203?
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 11882203 compare to industry norms?
This issue is common across the credit reporting industry, as data errors can occur during the aggregation and reporting processes.
What steps should a consumer take if they find information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider contacting the original creditor if known.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer's 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.