Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13273950
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 13273950
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: Alabama
ZIP Code: 35242
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
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 ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Issues
AI Analysis
CFPB complaint 13273950 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 information on the report belonged to someone else. The complaint was received on April 30, 2025 from Alabama. 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 they collect and report.
Regulatory Insight
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are suspected.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Alabama, consumers have the right to dispute inaccurate information on their credit reports under state and federal law.
Industry Comparison
This issue is common across credit reporting agencies, often stemming from data entry errors or similar identities.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13273950 about?
CFPB complaint 13273950 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 April 30, 2025.
Which company is complaint 13273950 filed against?
Complaint 13273950 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 13273950?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13273950 filed?
Complaint 13273950 was received by the CFPB on April 30, 2025. It was sent to Experian Information Solutions Inc. on April 30, 2025.
What state was complaint 13273950 filed from?
Complaint 13273950 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 13273950?
Dispute information is not available for complaint 13273950.
What product category is complaint 13273950 about?
Complaint 13273950 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 13273950 submitted?
Complaint 13273950 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 13273950?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they collect and report. 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 13273950 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 13273950?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 13273950?
Credit bureaus have a responsibility to investigate disputes and correct errors, especially when identity theft or mixed files are 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 13273950?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13273950?
In Alabama, consumers have the right to dispute inaccurate information on their credit reports under state and federal law. This complaint was filed from Alabama.
How does complaint 13273950 compare to industry norms?
This issue is common across credit reporting agencies, often stemming from data entry errors or similar identities.
What steps should a consumer take if they discover someone else's information on their credit report?
Immediately dispute the information with the credit reporting agency (Experian in this case) and provide any supporting documentation. You should also consider placing a fraud alert on your credit file.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.