Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13279228
Experian Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 13279228
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: 37215
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 13279228 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, specifically data belonging to someone else, appeared on their Experian credit report. 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 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, including instances where information from another individual is mistakenly associated with a consumer's report.
Resolution Likelihood
likely
State-Specific Consumer Protections
Tennessee residents are protected by the FCRA, which governs the accuracy and privacy of credit reporting information.
Industry Comparison
This issue is common across the credit reporting industry, as data errors can occur during the aggregation and reporting processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13279228 about?
CFPB complaint 13279228 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 13279228 filed against?
Complaint 13279228 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 13279228?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13279228 filed?
Complaint 13279228 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 13279228 filed from?
Complaint 13279228 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 13279228?
Dispute information is not available for complaint 13279228.
What product category is complaint 13279228 about?
Complaint 13279228 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 13279228 submitted?
Complaint 13279228 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 13279228?
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 13279228 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 13279228?
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 13279228?
Credit bureaus have a responsibility to investigate disputes and correct errors, including instances where information from another individual is mistakenly associated with a consumer's report. 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 13279228?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 13279228?
Tennessee residents are protected by the FCRA, which governs the accuracy and privacy of credit reporting information. This complaint was filed from Tennessee.
How does complaint 13279228 compare to industry norms?
This issue is common across the credit reporting industry, as data errors can occur during the aggregation and reporting processes.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the incorrect information with the credit reporting agency (Experian in this case) and provide any supporting documentation. They should also consider contacting the original creditor if known.
What is the typical timeframe for a credit reporting agency to resolve a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days in certain circumstances) to investigate and respond to a consumer's dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.