Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13276948
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 13276948
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: Louisiana
ZIP Code: 70501
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
Incorrect 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 confusion
AI Analysis
CFPB complaint 13276948 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 that incorrect information, belonging to someone else, appeared on their Experian credit report. The complaint was received on April 30, 2025 from Louisiana. 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 maintain.
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
The complaint was filed in Louisiana.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13276948 about?
CFPB complaint 13276948 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 13276948 filed against?
Complaint 13276948 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 13276948?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13276948 filed?
Complaint 13276948 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 13276948 filed from?
Complaint 13276948 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 13276948?
Dispute information is not available for complaint 13276948.
What product category is complaint 13276948 about?
Complaint 13276948 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 13276948 submitted?
Complaint 13276948 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 13276948?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. 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 13276948 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 13276948?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 13276948?
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 13276948?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13276948?
The complaint was filed in Louisiana. This complaint was filed from Louisiana.
How does complaint 13276948 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer harm.
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 filing a complaint with the CFPB if the issue is not resolved.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.