Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11888026
Experian Report Contains Incorrect Personal Information
Complaint Overview
Complaint ID: 11888026
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: Louisiana
ZIP Code: 70769
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 personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 11888026 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 incorrect information on their Experian credit report, stating that information belonging to someone else was included, and the issue was closed with an explanation. The complaint was received on January 31, 2025 from Louisiana. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information, including the accuracy of reports.
Regulatory Insight
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate disputes.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Louisiana, and state laws may also provide protections for consumers regarding credit reporting.
Industry Comparison
This issue is common among credit reporting agencies, as errors in data aggregation and matching can lead to incorrect information being reported.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11888026 about?
CFPB complaint 11888026 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 11888026 filed against?
Complaint 11888026 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 11888026?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11888026 filed?
Complaint 11888026 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 11888026 filed from?
Complaint 11888026 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 11888026?
Dispute information is not available for complaint 11888026.
What product category is complaint 11888026 about?
Complaint 11888026 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 11888026 submitted?
Complaint 11888026 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 11888026?
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information, including the accuracy of reports. 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 11888026 to be resolved?
Resolution likelihood: mixed. 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 11888026?
This complaint is rated as medium risk. Incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 11888026?
Credit reporting agencies have a responsibility under the FCRA to ensure the accuracy of the information they report and to investigate disputes. 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 11888026?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 11888026?
The complaint originated in Louisiana, and state laws may also provide protections for consumers regarding credit reporting. This complaint was filed from Louisiana.
How does complaint 11888026 compare to industry norms?
This issue is common among credit reporting agencies, as errors in data aggregation and matching can lead to incorrect information being reported.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence to support their claim. If the agency fails to correct the error, the consumer may consider filing a complaint with the CFPB or seeking legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.