Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13274689

CFPB complaint 13274689 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.

Complaint 13274689 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.

Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.

Complaint 13274689 was received by the CFPB on April 30, 2025. It was sent to Experian Information Solutions Inc. on April 30, 2025.

Complaint 13274689 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 13274689.

Complaint 13274689 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 13274689 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes within a reasonable timeframe, typically 30 days. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".

Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. This complaint involves potential identity theft or significant data inaccuracies, which can severely impact a consumer's creditworthiness and financial opportunities.

Credit bureaus must have robust systems to prevent and correct instances where one consumer's information is erroneously associated with another's identity. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately, providing supporting documentation.

In Florida, consumers have rights under state law to access and dispute their credit information, in addition to federal protections. This complaint was filed from Florida.

Experian, like other major credit bureaus, faces ongoing challenges in maintaining data accuracy and preventing such misattributions.

Immediately dispute the inaccurate information with the credit bureau, providing evidence that the information belongs to another individual. If the issue persists, consider filing a complaint with the CFPB or seeking legal counsel.

Experian is obligated under the FCRA to investigate the dispute and correct any inaccurate information. They must also provide an explanation for the outcome of their investigation.