Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268686
Experian Credit Report Contains Incorrect Personal Information
Complaint Overview
Complaint ID: 12268686
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: Virginia
ZIP Code: 23323
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit or other financial products.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 12268686 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 the information belonged to someone else. The complaint was received on February 28, 2025 from Virginia. 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 promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct any errors found on a consumer's report.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint originated in Virginia.
Industry Comparison
This is a common issue within the credit reporting industry, where errors can occur due to data processing or identity mix-ups.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268686 about?
CFPB complaint 12268686 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 12268686 filed against?
Complaint 12268686 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 12268686?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12268686 filed?
Complaint 12268686 was received by the CFPB on February 28, 2025. It was sent to Experian Information Solutions Inc. on February 28, 2025.
What state was complaint 12268686 filed from?
Complaint 12268686 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 12268686?
Dispute information is not available for complaint 12268686.
What product category is complaint 12268686 about?
Complaint 12268686 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 12268686 submitted?
Complaint 12268686 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 12268686?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in a consumer's file. 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 12268686 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 12268686?
This complaint is rated as medium risk. The risk is medium because incorrect information on a credit report can negatively impact a consumer's ability to obtain credit or other financial products.
What regulatory actions apply to complaint 12268686?
Credit reporting agencies have a responsibility to investigate disputes and correct any errors found on a consumer's report. 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 12268686?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 12268686?
This complaint originated in Virginia. This complaint was filed from Virginia.
How does complaint 12268686 compare to industry norms?
This is a common issue within the credit reporting industry, where errors can occur due to data processing or identity mix-ups.
What steps should a consumer take if they discover information on their credit report belongs to someone else?
The consumer should immediately dispute the information with the credit reporting agency, providing evidence that the information is not theirs. They should also consider filing a police report if identity theft is suspected.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.