Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12765537
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 12765537
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: Pennsylvania
ZIP Code: 18109
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 can negatively impact a consumer's creditworthiness and ability to obtain loans or other financial products.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 12765537 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 Pennsylvania. 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 promptly, especially when identity theft or misattribution is suspected.
Resolution Likelihood
likely
State-Specific Consumer Protections
Pennsylvania residents are protected by federal credit reporting laws, which are enforced by agencies like the CFPB.
Industry Comparison
This issue is common across credit reporting agencies, highlighting the need for robust identity verification and data management processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12765537 about?
CFPB complaint 12765537 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 12765537 filed against?
Complaint 12765537 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 12765537?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12765537 filed?
Complaint 12765537 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 12765537 filed from?
Complaint 12765537 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 12765537?
Dispute information is not available for complaint 12765537.
What product category is complaint 12765537 about?
Complaint 12765537 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 12765537 submitted?
Complaint 12765537 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 12765537?
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 12765537 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 12765537?
This complaint is rated as medium risk. Incorrectly attributed information can negatively impact a consumer's creditworthiness and ability to obtain loans or other financial products.
What regulatory actions apply to complaint 12765537?
Credit bureaus have a responsibility to investigate disputes and correct errors promptly, especially when identity theft or misattribution is 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 12765537?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 12765537?
Pennsylvania residents are protected by federal credit reporting laws, which are enforced by agencies like the CFPB. This complaint was filed from Pennsylvania.
How does complaint 12765537 compare to industry norms?
This issue is common across credit reporting agencies, highlighting the need for robust identity verification and data management 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) and provide any supporting documentation. They should also consider placing a fraud alert on their credit file.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.