Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13277086
Experian Credit Report Error: Information Belongs to Another Individual
Complaint Overview
Complaint ID: 13277086
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: Tennessee
ZIP Code: 37068
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: low
The risk is low as the issue involves incorrect personal information on a credit report, which is typically resolvable through standard dispute processes.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity mix-up
AI Analysis
CFPB complaint 13277086 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 Tennessee consumer reported incorrect information on their Experian credit report, stating that the information belonged to someone else, and the issue was closed with an explanation. The complaint was received on April 30, 2025 from Tennessee. 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 with the credit bureau.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring credit bureaus to investigate disputes.
Regulatory Insight
Credit bureaus must investigate consumer disputes regarding inaccurate information, including identity mix-ups, within a specified timeframe.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Tennessee, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information.
Industry Comparison
This issue is common in the credit reporting industry, where data errors or misidentification can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13277086 about?
CFPB complaint 13277086 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 13277086 filed against?
Complaint 13277086 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 13277086?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13277086 filed?
Complaint 13277086 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 13277086 filed from?
Complaint 13277086 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 13277086?
Dispute information is not available for complaint 13277086.
What product category is complaint 13277086 about?
Complaint 13277086 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 13277086 submitted?
Complaint 13277086 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 13277086?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring credit bureaus to investigate disputes. 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 13277086 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 13277086?
This complaint is rated as low risk. The risk is low as the issue involves incorrect personal information on a credit report, which is typically resolvable through standard dispute processes.
What regulatory actions apply to complaint 13277086?
Credit bureaus must investigate consumer disputes regarding inaccurate information, including identity mix-ups, within a specified timeframe. 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 13277086?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau.
Are there state-specific protections for complaint 13277086?
In Tennessee, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information. This complaint was filed from Tennessee.
How does complaint 13277086 compare to industry norms?
This issue is common in the credit reporting industry, where data errors or misidentification 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 inaccurate information with the credit reporting agency, providing any supporting documentation. The agency is then required to investigate the claim.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.