Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12303811
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 12303811
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: 48235
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
Incorrectly attributed information can negatively impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 12303811 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 belonging to someone else appeared on their Experian credit report. The complaint was received on February 28, 2025 from Michigan. 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 bureau.
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 maintain accurate consumer reports and must have processes in place to prevent and correct such errors.
Resolution Likelihood
likely
State-Specific Consumer Protections
Michigan consumers are protected by federal credit reporting laws, which are enforced by the CFPB.
Industry Comparison
This issue is common across major credit bureaus, highlighting the need for robust data verification processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12303811 about?
CFPB complaint 12303811 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 12303811 filed against?
Complaint 12303811 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 12303811?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12303811 filed?
Complaint 12303811 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 12303811 filed from?
Complaint 12303811 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 12303811?
Dispute information is not available for complaint 12303811.
What product category is complaint 12303811 about?
Complaint 12303811 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 12303811 submitted?
Complaint 12303811 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 12303811?
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 12303811 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 12303811?
This complaint is rated as medium risk. Incorrectly attributed information can negatively impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 12303811?
Credit bureaus have a responsibility to maintain accurate consumer reports and must have processes in place to prevent and correct such errors. 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 12303811?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit bureau.
Are there state-specific protections for complaint 12303811?
Michigan consumers are protected by federal credit reporting laws, which are enforced by the CFPB. This complaint was filed from Michigan.
How does complaint 12303811 compare to industry norms?
This issue is common across major credit bureaus, highlighting the need for robust data verification processes.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (Experian in this case) in writing, providing any supporting documentation. They should also consider sending a copy of the dispute to the original creditor or furnisher of the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.