Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12765499
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 12765499
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: 07666
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Issues
AI Analysis
CFPB complaint 12765499 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 that of another individual, appeared on their Experian credit report. The complaint was received on March 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 in consumer reports.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information clearly belongs to another individual.
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, where data errors or misidentification can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12765499 about?
CFPB complaint 12765499 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 March 31, 2025.
Which company is complaint 12765499 filed against?
Complaint 12765499 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 12765499?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12765499 filed?
Complaint 12765499 was received by the CFPB on March 31, 2025. It was sent to Experian Information Solutions Inc. on March 31, 2025.
What state was complaint 12765499 filed from?
Complaint 12765499 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 12765499?
Dispute information is not available for complaint 12765499.
What product category is complaint 12765499 about?
Complaint 12765499 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 12765499 submitted?
Complaint 12765499 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 12765499?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information in consumer 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 12765499 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 12765499?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain credit.
What regulatory actions apply to complaint 12765499?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when information clearly belongs to another individual. 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 12765499?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 12765499?
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 12765499 compare to industry norms?
This issue is common across the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
What steps should a consumer take if they find 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) and provide any supporting documentation. They should also consider filing a complaint with the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.