Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12765500
Experian Report Contains Incorrect Personal Information
Complaint Overview
Complaint ID: 12765500
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: Missouri
ZIP Code: 63033
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: low
The risk is low as the issue pertains to incorrect data entry or linkage, which is typically resolvable through standard dispute processes.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information
AI Analysis
CFPB complaint 12765500 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 March 31, 2025 from Missouri. 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 incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information.
Regulatory Insight
This case highlights the importance of data accuracy and the FCRA's role in ensuring consumers have access to correct credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Missouri, and Experian is a national credit reporting agency.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12765500 about?
CFPB complaint 12765500 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 12765500 filed against?
Complaint 12765500 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 12765500?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12765500 filed?
Complaint 12765500 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 12765500 filed from?
Complaint 12765500 was filed from Missouri. You can view all complaints from this state at /state/MO.
Was the consumer satisfied with the resolution of complaint 12765500?
Dispute information is not available for complaint 12765500.
What product category is complaint 12765500 about?
Complaint 12765500 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 12765500 submitted?
Complaint 12765500 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 12765500?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding 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 12765500 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 12765500?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect data entry or linkage, which is typically resolvable through standard dispute processes.
What regulatory actions apply to complaint 12765500?
This case highlights the importance of data accuracy and the FCRA's role in ensuring consumers have access to correct credit information. 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 12765500?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 12765500?
The complaint originated in Missouri, and Experian is a national credit reporting agency. This complaint was filed from Missouri.
How does complaint 12765500 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can occur.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the information with the credit reporting agency, providing evidence that the information is not theirs. They may also need to contact the original creditor or furnisher of the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.