Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268486

Experian Report Contains Someone Else's Information

Complaint Overview

Complaint ID: 12268486

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: Georgia

ZIP Code: 30034

Date Received: 2025-02-28T12:00:00-05:00

Date Sent to Company: 2025-03-03T12:00:00-05:00

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 can negatively impact a consumer's ability to obtain credit, housing, or employment.

Consumer Sentiment: negative

Topics: Credit Reporting, Incorrect Information, Identity Theft

AI Analysis

CFPB complaint 12268486 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. The complaint was received on February 28, 2025 from Georgia. 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 collect and report.

Regulatory Insight

Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected.

Resolution Likelihood

likely

State-Specific Consumer Protections

The consumer is located in Georgia, and the FCRA applies nationwide.

Industry Comparison

This issue is common across credit reporting agencies, often stemming from data errors or identity mix-ups.

Similar Complaint Patterns

Similar complaints often involve consumers finding accounts, inquiries, or personal information on their credit reports that do not belong to them. This can stem from data entry errors, mergers of consumer files, or instances of identity theft where a fraudster has used the consumer's personal information to open accounts.

Related Issues

Mixed Files

Frequently Asked Questions

What is CFPB complaint 12268486 about?

CFPB complaint 12268486 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 February 28, 2025.

Which company is complaint 12268486 filed against?

Complaint 12268486 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 12268486?

Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.

When was complaint 12268486 filed?

Complaint 12268486 was received by the CFPB on February 28, 2025. It was sent to Experian Information Solutions Inc. on March 3, 2025.

What state was complaint 12268486 filed from?

Complaint 12268486 was filed from Georgia. You can view all complaints from this state at /state/GA.

Was the consumer satisfied with the resolution of complaint 12268486?

Dispute information is not available for complaint 12268486.

What product category is complaint 12268486 about?

Complaint 12268486 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 12268486 submitted?

Complaint 12268486 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 12268486?

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 Experian Information Solutions Inc. involving "Incorrect information on your report".

How likely is complaint 12268486 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 12268486?

This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.

What regulatory actions apply to complaint 12268486?

Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected. 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 12268486?

Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.

Are there state-specific protections for complaint 12268486?

The consumer is located in Georgia, and the FCRA applies nationwide. This complaint was filed from Georgia.

How does complaint 12268486 compare to industry norms?